Investment Property

Investment property loans help real estate investors purchase rental properties with flexible financing options. Debt Service Coverage Ratio (DSCR) loans are a popular choice, allowing qualification based on the property’s rental income rather than personal income. This makes it easier for investors to secure financing without extensive income documentation.

Investment properties can also be financed with Conventional, FHA, and VA loans, depending on the borrower’s qualifications. Conventional loans typically require a higher down payment and credit score, while FHA and VA loans allow multi-unit purchases if the borrower occupies one of the units. These government-backed options can provide lower down payments and more favorable terms for eligible borrowers.

Whether you're a first-time investor or expanding your real estate portfolio, there are multiple loan options to fit your needs. If you're looking for a simplified approval process that focuses on rental income, a DSCR loan may be the best choice.

Disclaimer: Loan product guidelines are subject to change. Contact your Caritas Mortgage loan officer for the most up-to-date information.

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