Investment Property Loans

An Investment Property Loan is a type of mortgage designed for individuals looking to purchase property for rental income or capital appreciation, rather than as a primary residence. These loans are typically used to acquire single-family homes, multi-family units, or commercial properties that are not intended for personal use. Since the property is an investment, lenders often have stricter requirements, such as a larger down payment (typically 20% or more), higher credit scores, and stronger financial reserves compared to loans for primary residences. Interest rates on investment property loans may also be higher due to the increased risk for the lender. These loans provide opportunities for real estate investors to build wealth through rental income, property appreciation, or both, while leveraging financing to maximize investment potential.

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