Mortgage Solutions for Investment Properties
t The Source, we offer customized mortgage solutions for investment properties, ensuring you have the right loan structure to meet your financial goals.
Applying won’t affect your credit score
Build Wealth with Smart Real Estate Investments
Investing in real estate is a powerful way to build wealth, generate passive income, and expand your financial portfolio. Whether you’re purchasing your first rental property or adding to your real estate investments, securing the right financing is key to maximizing your returns.
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Down Payment and Qualification Requirements
Understanding Investment Property Mortgage Rules
Mortgage requirements for investment properties differ from primary residences. Key factors include:
Higher down payment requirements, typically 20% or more
Stronger credit score expectations, to secure the best rates
Rental income considerations, which can be factored into mortgage approval
Debt service ratios, ensuring you can cover mortgage payments with rental income
Our mortgage experts can guide you through the qualification process and financing options available for investors.
Curious About Mortgage Rates?
We help you assess your budget, risk tolerance, and financial goals to choose the best mortgage rate for your needs.
Investors FAQ
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Unlike primary residences, investment properties require a larger down payment:
20% down for rental properties with 1–4 units.
25%+ down for multi-unit buildings or commercial properties.
Lenders typically require a higher down payment because investment properties carry more risk than owner-occupied homes.
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Yes! Lenders may consider a portion of your projected rental income when determining your mortgage qualification. This can help increase your borrowing capacity.
Some lenders use 50%–80% of rental income to offset mortgage costs.
If you live in one of the units (owner-occupied rental), you may qualify for better rates and lower down payment requirements.
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Real estate is a proven wealth-building strategy with several advantages:
Passive income from rental payments.
Property appreciation over time.
Tax benefits, including deductions on mortgage interest, property taxes, and maintenance costs.
Leverage, allowing you to finance a significant asset with a relatively small initial investment.
A well-structured mortgage ensures long-term profitability and financial security.
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Fixed-rate mortgages offer stability with predictable payments, making them ideal for long-term rental properties.
Variable-rate mortgages often start lower but fluctuate with market conditions, which can lead to cost savings if rates decrease.
The best option depends on your risk tolerance, cash flow strategy, and market outlook. Our team can help you choose the right financing plan.
Get Started on Your Homebuying Journey
Owning a home is a major milestone, and The Source is here to help you every step of the way
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Expert guidance from start to finish
Flexible mortgage solutions designed for first-time buyers
Take the first step toward owning your first home today.
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