Build Your Portfolio
Investment Property Loans: Finance Your Rental Portfolio
Competitive financing for single-family rentals, multi-family properties, and vacation rentals. Build wealth through real estate investing.
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Why Invest in Rental Properties?
Monthly Cash Flow
Generate passive income from rental payments that can exceed your mortgage payment.
Property Appreciation
Real estate historically appreciates over time, building equity and long-term wealth.
Tax Advantages
Deduct mortgage interest, property taxes, insurance, repairs, and depreciation.
Investment Property Success Strategies
๐ฏ The 1% Rule
Monthly rent should be at least 1% of purchase price. Example: $300,000 property should rent for $3,000/month for positive cash flow.
๐ Calculate Cash Flow
Rent - (Mortgage + Taxes + Insurance + HOA + Maintenance + Vacancy) = Monthly Cash Flow. Aim for $200-500+ per unit.
๐๏ธ Location Matters
Focus on areas with job growth, good schools, low crime, and strong rental demand. Research rent-to-price ratios in your target market.
๐ฐ Build Reserves
Keep 6-12 months of expenses in reserves. Budget for vacancies, repairs, and unexpected costs. Property management typically costs 8-12% of rent.
Investment Property Loan Options
โ Conventional Investment Property Loan
Standard financing for investment properties with competitive rates and terms.
โ Down payment: 15-25% โ Up to 10 financed properties
โ Credit score: 620+ (680+ for best rates) โ Fixed or adjustable rates
โ DSCR Loan (Debt Service Coverage Ratio)
Qualify based on the property's rental income, not your personal income. Perfect for investors with multiple properties.
โ No income verification required โ Unlimited number of properties
โ Faster approval process โ Down payment: 20-25%
โ Portfolio Loans
For experienced investors with 5+ properties. Flexible terms and higher loan limits.
โ Finance multiple properties at once โ Flexible underwriting
โ Higher loan amounts โ Relationship pricing
Ready to Grow Your Investment Portfolio?
We specializes in investment property financing. Let's discuss your investment goals and find the perfect loan program.
All product names, logos, and brands are property of their respective owners.
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
Copyright ยฉ 2026 | Anthony Galaviz
Licensed in: AZ, TX, GA, NM, CA, FL
NMLS #2018327
Address: 7840 S Sorrell Ln Gilbert 85298 AZ
Phone: 602-705-7983
Email: [email protected]
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
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