Investor High-LTV
For eligible investment purchases where preserving upfront capital is a priority.
Investment property financing
More ways to finance your next investment property.
Investor mortgage options can include conventional, DSCR and non-QM financing—plus an eligible Investor High-LTV option with as little as 10% down on qualifying 1-unit properties and no PMI.
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As little as 10% down*No PMI*1–4 unit options*15- & 30-year fixed options*
Investor High-LTV
Keep more capital available for the rest of your investment plan.
For eligible borrowers and properties, this program can reduce the upfront equity required compared with many traditional investment-property structures.
- 1-unit investment property: up to 90% LTV / as little as 10% down*
- 2–4 unit investment property: up to 85% LTV / as little as 15% down*
- No PMI under this specific program*
- Loan amounts from $100,000 to $2 million, subject to applicable limits*
- Short-term rentals are not permitted under this specific program*
Investor mortgage options
One investor. Different financing paths.
The right structure depends on the property, income documentation, rental strategy, reserves and long-term plan.
Conventional
Agency-based investment property financing for qualifying borrowers and properties.
DSCR
For eligible investors where qualification may focus more heavily on property cash flow.
Non-QM
Alternative mortgage options for eligible investor scenarios outside standard agency guidelines.
Investor loan questions
Common questions from real estate investors.
Short, practical answers to the questions borrowers often ask before choosing an investment-property mortgage.
Can I buy an investment property with 10% down?
Potentially. Eligible 1-unit investment properties may qualify for up to 90% LTV under the Investor High-LTV option, which can mean as little as 10% down. Credit, reserves, property eligibility, loan amount and underwriting requirements apply.
Does the 10% down investor program require PMI?
No PMI is required under this specific Investor High-LTV program for eligible transactions. The program has its own borrower, property, reserve and underwriting requirements.
Can I finance a 2–4 unit investment property?
Yes, eligible 2–4 unit investment properties may qualify for up to 85% LTV under the Investor High-LTV option, which can mean as little as 15% down.
What is a DSCR loan?
A DSCR loan is an investor mortgage where qualification may focus more heavily on the property's rental cash flow rather than traditional personal-income documentation. Exact requirements vary by program.
Can I use the Investor High-LTV program for Airbnb or a short-term rental?
No. Short-term rentals are not permitted under this specific Investor High-LTV program. Depending on the property and borrower, another investor financing option may be available.
What if the high-LTV investor program does not fit my scenario?
Other paths may include conventional investment-property financing, DSCR loans and non-QM investor mortgages. The best fit depends on the property, income documentation, rental strategy, reserves and long-term plan.
Have an investment property in mind?
Send the property type, estimated purchase price, expected rent and your down-payment goal. I can help you compare the available paths.