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Investor Loan
Flexible Financing Solutions for Real Estate Investors
An Investor Loan is designed for real estate investors looking to purchase, refinance, or expand their rental property portfolio. Whether you’re a first-time investor or a seasoned landlord, these loans offer flexible qualification requirements, competitive rates, and tailored financing options to help you maximize returns on your real estate investments.
Why Choose an Investor Loan?
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No Personal Income Verification – Qualify based on property cash flow
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Higher Loan Amounts – Borrow more to grow your portfolio
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Flexible Down Payment Options – As low as 15%-20%
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Short-Term & Long-Term Financing – Choose fixed or adjustable rates
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No Occupancy Requirements – Strictly for investment properties
Investor Loan Qualifications
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Property must be a non-owner-occupied investment property (single-family, multifamily, condos, or mixed-use properties)
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Minimum credit score of 620+ (varies by lender & loan type)
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Down payment of 15%-25% (depends on loan type & borrower profile)
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Debt Service Coverage Ratio (DSCR) used for qualification (property income must cover mortgage payment)
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Stable rental income & positive cash flow
Step-By-Step Investor Loan Process
1. Apply in Minutes
Simple online application
2. Property Cash Flow Evaluation
No personal income verification required
3. Loan Pre-Approval
Get your buying power confirmed
4. Loan Approval & Closing
Quick underwriting for fast funding
5. Expand Your Real Estate Portfolio
Purchase, refinance, or scale your investments
Advantages of an Investor Loan
No Personal Income Requirements – Qualify using rental property income
Cash-Out Refinance Available – Use equity to fund new investments
Flexible Loan Terms – Fixed-rate & adjustable-rate mortgage (ARM) options available
Fast Approval & Closing – Quick underwriting for active investors
Higher Loan Limits – Borrow based on property value & rental income
No Limit on the Number of Properties – Finance multiple investment properties
Use for Multiple Property Types – Single-family, multifamily, short-term rentals, mixed-use
Investor Loan vs. Conventional Loan – Which Is Right for You?
FEATURE
INVESTOR LOAN
Conventional Loan
Property Type
Investment properties
Primary, secondary, investment
Income Verification
Based on rental income
W-2s & tax returns required
Down Payment Required
15%-25%
3%-20%
Credit Score Requirement
620+
620+
Mortgage Insurance Required?
No
Yes, if <20% down
Why Choose Us for Your Investor Loan?
At Trust Lending, we specialize in helping real estate investors secure financing to expand their portfolios. Whether you’re purchasing a single rental unit or multiple properties, we offer tailored solutions and fast funding to help you succeed in real estate investing.
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Loans Designed for Investors – We focus on investment property financing
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Fast & Hassle-Free Processing – Quick approvals & closings
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Flexible Loan Programs – DSCR, fix & flip, rental loans, and more
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Technology-Driven Service – Secure, seamless digital experience
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Trusted Experience – Over 20 years in mortgage lending
At Trust Lending, we believe buying or refinancing a home is a matter of trust—and we’re here to earn yours. With over 15 years of experience, we’ve helped countless homebuyers and homeowners secure affordable, flexible mortgage solutions tailored to their needs.
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Personalized Loan Solutions – We customize every loan to match your financial goals.
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Expert Guidance – Our experienced team walks you through every step of the process.
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Fast & Smooth Approvals – We streamline the process to get you approved quickly.
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Technology-Driven Service – We invest in the latest tools to make your experience hassle-free.
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Strict Compliance & Integrity – We follow all industry best practices, ensuring transparency and trust.
Learn More About Investor Loans
What Is an Investor Loan?
An Investor Loan is a mortgage designed specifically for real estate investors who want to buy, refinance, or expand their rental property portfolio. Instead of verifying personal income, lenders evaluate the cash flow generated by the property to determine loan eligibility.
Who Can Benefit from an Investor Loan?
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Real estate investors looking to grow their portfolio
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House flippers needing short-term financing
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Landlords refinancing existing properties
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Investors purchasing vacation rentals or Airbnb properties
Types of Investor Loans
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DSCR Loan (Debt Service Coverage Ratio) – Qualifies based on rental income covering the mortgage
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Fix & Flip Loan – Short-term financing for property renovations
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Bridge Loan – Temporary funding until permanent financing is secured
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Cash-Out Refinance Loan – Tap into home equity for future investments