Whether you’re building a rental portfolio or buying your first investment property, we can help you secure the right financing. Our investment property loan options are designed to support both short- and long-term strategies, with competitive rates and flexible terms. Let’s turn your real estate goals into results.
Investment property financing refers to mortgage solutions used to purchase or refinance real estate intended for rental income or long-term gain. These loans often have different requirements than primary home loans and are tailored to investors building a real estate portfolio.
You can finance a wide range of property types, including single-family rentals, multi-unit buildings (up to 4 units), short-term rentals, and second homes. Whether you’re buying your first rental or expanding your holdings, we’ll help you explore the options that align with your strategy.
Investment property loans usually require more money down than a typical primary home loan. A down payment of 15% to 25% is common, depending on the loan type and property. Some programs offer more flexible terms for experienced investors or those using rental income to qualify.
Yes. Many investment loan programs allow you to use projected or existing rental income to help qualify. Debt Service Coverage Ratio (DSCR) loans are especially useful here, allowing the property’s income to support the loan — with less focus on your personal income.
While requirements vary, most investment property loans require a minimum credit score of 620 to 680. A stronger credit profile may unlock better rates and lower down payment requirements. We’ll review your full financial picture and help you make a competitive plan.
Absolutely. Refinancing can help you lower your rate, improve cash flow, or access equity for future investments. Whether you’re switching from a short-term loan or want to pull cash out, we’ll help you compare options and decide if now’s the right time to refinance.
At LUMI Funding Group, we understand the mindset of an investor. Whether you’re buying your first rental or managing a growing portfolio, our team brings clarity, speed, and expertise to every deal. We offer a wide range of loan solutions — including DSCR loans, conventional investment loans, and refinance options — tailored to your income goals and strategy.
You’ll get responsive service, flexible financing options, and a smooth process from pre-approval to closing. With local knowledge and investor-focused experience, we’re here to help you build wealth through smart real estate financing.
Financing an investment property is different from buying a primary home. From down payments and credit scores to rental income and portfolio limits, we’ve answered the key questions to help you make confident, informed decisions.
Investment property loans are designed for homes you do not live in. They typically have higher interest rates, stricter qualification guidelines, and larger down payment requirements. However, they allow you to leverage real estate for income and long-term growth.
Yes. Conventional loans can be used for 1–4 unit investment properties. You’ll need a higher credit score, more reserves, and a larger down payment compared to a primary home purchase. We can help you compare conventional and alternative investment loan options.
A DSCR (Debt Service Coverage Ratio) loan is based on the income the property generates, not your personal income. If the rental income covers the loan payment, you may qualify — even without tax returns or W-2s. This is a great option for real estate investors.
Yes, many programs now support short-term rentals and vacation properties. You’ll need to show strong income potential, and some loans may require experience as a host or landlord. We’ll help you find a lender that aligns with your investment goals.
Some lenders allow up to 10 financed properties, though requirements get stricter after the fourth. There are also portfolio loan options for investors managing multiple properties under one loan. We’ll help you build a plan that grows with your portfolio.
Start by reaching out to our team. We’ll review your credit, income, rental strategy, and property type to match you with the right financing. Pre-approval gives you a competitive edge when making offers and helps you understand exactly what you can afford.
Investment property loans are used to purchase or refinance real estate you don’t occupy, such as rentals or second homes.
These loans typically require larger down payments and stronger credit scores than primary home loans.
Rental income can often be used to help you qualify, especially with loan types like DSCR loans.
Financing is available for a wide range of properties, including single-family, multi-unit, short-term rentals, and vacation homes.
You can use conventional, DSCR, or portfolio loans depending on your strategy and number of properties.
Whether you’re just starting or scaling a portfolio, the right financing structure is key to maximizing cash flow and long-term return.
