Investment-property financing nationwide
No personal income documentation on eligible programs.
Put your property’s equity to work. Explore first mortgages up to $2 million for eligible 1–4-unit investment properties.
No-minimum-score option: up to 50% LTV.
Property, credit, assets, and investment purpose are still reviewed. Existing payoffs and closing costs reduce the cash available.
Start with equity.
Explore what’s next.
Illustration assumes an eligible valuation and approval. A first mortgage replaces the existing mortgage; the full loan amount is not your cash-out proceeds.
Put your equity in context
Start with an estimated value and what you owe. Compare the no-minimum-score option with standard credit tiers.
No-minimum-score option: up to 50% first-mortgage LTV and a $2M first-loan maximum. This example does not assume a seller second. Minimum loan size must be confirmed. First-time buyers are ineligible.
After the payoffs and costs you entered
Maximum first-mortgage amount$2,000,000
An illustration, not a quote or approval. Actual valuation, eligibility, payoffs, costs, and required funds are determined during review.
Values are planning assumptions and are not entered into your inquiry. Purchase price is assumed to equal eligible value. A lower appraisal, program adjustment, or the $2M first-loan cap can change your financing structure. Enter all known payoff and cost amounts; additional required funds can reduce proceeds or increase cash needed.
Choose the path that fits
The no-minimum-score option starts with lower leverage. Standard programs offer higher first-mortgage LTVs based on credit and the full file.
Find the right option for your property| Program / estimated credit | Maximum LTV |
|---|---|
| No minimum credit score | 50% |
| Standard · below 600 | 60% |
| Standard · 600–649 | 65% |
| Standard · 650–674 | 70% |
| Standard · 675 or higher | 75% |
First-mortgage LTV is the loan divided by eligible property value. The $2M first-loan cap and other program adjustments still apply. Standard first-time investors: subtract five percentage points. Credit history and eligibility are reviewed for every option.
Buying instead?
An eligible $1M standard-program purchase could use a $750,000 first mortgage, a $150,000 seller second, and a $100,000 down payment.
This requires seller agreement and lender approval of up to 90% combined financing. Closing costs and other required funds are additional. The no-minimum-score option is a separate program.
Explore a purchase structureStart with the real situation
An existing mortgage, a difficult payment history, or a property in transition does not tell the whole story. Give us the details so we can review the available paths.
Just your contact information and investment experience to get started.
No. The no-minimum-score option permits up to 50% first-mortgage loan-to-value. Credit history, the property, assets, and the full scenario are still reviewed. A missing or unscorable credit file requires a separate eligibility review.
Eligible investment-property programs do not require personal income documentation. The lender still reviews the property, credit, assets, and investment purpose. Rental-income and documentation requirements depend on the selected program.
Start with the eligible value multiplied by the applicable first-mortgage LTV, capped at a $2 million first mortgage. Subtract existing mortgage and lien payoffs, closing costs, prepaid items, and any other required funds. The balance is the potential cash available. The calculator is an illustration, and final proceeds depend on underwriting and the actual closing figures.
Tell us its current occupancy and listing status. We will review the property, intended use, and available program options. Vacancy or a sale listing is not an automatic approval under the terms illustrated here.
Mortgage lates can be considered under the no-minimum-score option. Foreclosure and bankruptcy need individual review, including current status and any discharge or resolution. An open proceeding is not automatically eligible. If you have a sale date or other deadline, include it in your inquiry so we can understand the timing.
An eligible standard investor purchase can combine a first mortgage and an approved seller-held second mortgage up to 90% combined loan-to-value. For example, a $1 million purchase could use a $750,000 first mortgage, $150,000 seller second, and $100,000 buyer down payment. Seller agreement and lender approval are required; costs, reserves, and other required funds are additional. The no-minimum-score option is a separate program with a 50% first-mortgage LTV limit.
This page covers business-purpose, non-owner-occupied single-family homes, condos, and 2–4-unit investment properties nationwide, subject to state and property eligibility. First-time buyers are ineligible. Standard-program first-time investors have a five-percentage-point LTV reduction. You can send an inquiry if your experience needs review.
The programs shown generally offer a 30-year fully amortizing term and may carry a five-year declining prepayment penalty, subject to state rules and program selection. The standard program requires taxes and insurance to be impounded, with first mortgages from $75,000 to $2 million. The no-minimum-score option has a $2 million maximum; ask us to confirm its minimum and impound requirements for your scenario.