Residential
Investment Property Loans
Unlock the potential of real estate investing with CMRE's Investment Property Loans. Whether you're a seasoned investor or just starting, our flexible financing options, starting at a rate of 6.875%, can help you acquire properties to build wealth and generate passive income. Take advantage of high LTVs and competitive terms to expand your portfolio.
Program Benefits
Competitive interest rates starting at 6.875% for qualified borrowers.
High Loan-to-Value (LTV) options, up to 97%, to minimize your upfront investment.
Financing available for a wide range of investment property types.
Streamlined application and approval process for quick closings.
Expert guidance from experienced mortgage professionals specializing in investment properties.
Build equity and generate rental income with strategic real estate investments.
Program Highlights
Max LTV
97%
Min Credit Score
620
Max DTI
50%
Loan Amount Range
$75K - $5M
Amortization Options
Eligible Properties
- Single Family
- Condo
- Townhouse
- Multi-Family (2-4 units)
Program Requirements
Income Documentation
- •Stable and verifiable income sources are required.
- •Rental income from other properties can be considered.
- •Proof of sufficient income to cover all debts and the new mortgage payment.
- •Self-employed borrowers will need to provide additional documentation.
Asset Verification
- •Sufficient liquid assets to cover the down payment, closing costs, and reserves.
- •Verification of funds through bank statements and other financial documents.
- •Reserves may be required to cover several months of mortgage payments.
Insurance & Title
- •Hazard insurance is required to protect the property against damage.
- •Liability insurance to cover potential claims from tenants or visitors.
- •Flood insurance may be required depending on the property's location.
- •Proof of adequate insurance coverage must be provided prior to closing.
Property Requirements
- •Minimum FICO score of 620 required.
- •A strong credit history demonstrating responsible borrowing behavior.
- •Review of credit report for any adverse credit events, such as bankruptcies or foreclosures.
- •Lower rates may be available for borrowers with higher credit scores.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
The minimum down payment typically ranges from 5% to 25%, depending on the lender, loan program, and your qualifications. High LTV programs are available.
Yes, lenders will consider the potential rental income from the property when assessing your ability to repay the loan. However, they will typically require a rent appraisal and may only count a percentage of the projected rental income.
Interest rates for investment property loans are typically higher than those for primary residence loans due to the increased risk associated with investment properties. Rates start at 6.875% but can vary. Speak with a loan officer for current rates.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
