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Investment Property Loans

Finance investment properties, rental homes, and multi-unit properties in Lake Mary and throughout Florida. Competitive rates and flexible terms for real estate investors.

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Investment Property Financing in Florida

Whether you're buying your first rental property in Lake Mary or expanding your real estate portfolio throughout Florida, Edge Home Loans offers competitive investment property loans with flexible terms. We understand the unique needs of real estate investors and can help you finance single-family rentals, multi-unit properties, and commercial real estate.

Types of Investment Property Loans

Single-Family Rental Loans

Finance single-family homes for rental income in Lake Mary and throughout Florida.

  • Conventional investment loans
  • Portfolio loans
  • DSCR (Debt Service Coverage Ratio) loans

Multi-Unit Property Loans

Finance duplexes, triplexes, and fourplexes for rental income.

  • 2-4 unit properties
  • Commercial financing options
  • Portfolio lending programs

Commercial Property Loans

Finance commercial real estate including office buildings, retail spaces, and mixed-use properties.

  • Commercial mortgages
  • SBA loans
  • Bridge loans

Investment Property Loan Requirements

  • Down Payment: Typically 15-25% for investment properties (higher than primary residence)
  • Credit Score: Generally 680+ for best rates, though some programs accept lower
  • Reserves: 6+ months of mortgage payments in reserves typically required
  • Rental Income: May be used to qualify, typically 75% of rental income counted

Why Invest in Lake Mary Real Estate?

Lake Mary, FL, offers excellent opportunities for real estate investors. With a growing population, strong job market, and proximity to Orlando, Lake Mary properties can provide steady rental income and appreciation potential. Our local expertise helps investors understand the Lake Mary market and find the best financing options.

Portfolio Loans for Multiple Properties

If you own multiple investment properties in Florida, portfolio loans can help you finance additional properties without being limited by conventional loan restrictions. These loans are held in the lender's portfolio rather than sold to Fannie Mae or Freddie Mac, offering more flexibility for experienced investors.

Frequently Asked Questions About Investment Property Loans

Investment properties typically require 15-25% down payment, significantly higher than primary residences. The exact amount depends on the property type, your credit score, and the number of investment properties you own. Some portfolio lenders may offer lower down payments for experienced investors.

Yes, lenders typically count 75% of the property's rental income (or market rent if vacant) toward your qualifying income. This helps offset the mortgage payment and can improve your debt-to-income ratio. You'll need a lease agreement or rental income history to document this income.

Conventional loans typically allow up to 10 financed properties (including your primary residence). After 4 properties, underwriting becomes stricter and you may need portfolio loans. Each additional property typically requires more reserves and stronger credit.

DSCR (Debt Service Coverage Ratio) loans are based on the property's rental income rather than your personal income. These loans are ideal for investors who want to expand their portfolio without using personal income to qualify. DSCR loans typically require 20-25% down and have slightly higher rates.

Yes, investment property loans typically have interest rates 0.5-0.75% higher than primary residence loans due to increased risk. Rates vary based on credit score, down payment, property type, and number of financed properties. Our team can help you find the best rates available.

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Ready to Finance Your Investment Property?

Contact Edge Home Loans in Lake Mary for expert investment property financing.

Call (855) 744-EDGE Apply Online