Investment Propery

Luxury Mortgage is pleased to offer investment property financing assistance throughout much of the Country. Whether you are buying your first rental property or are a seasoned real estate investor, let our mortgage professionals help you find the right program at some of the most aggressive pricing in the marketplace. We offer both purchase financing and refinancing products for most types of 1-4 unit investment properties.

Contact Us Today for a Free Quote and Consultation (3 Options)
  • Call us toll-free at (888) 379-0303
  • Complete the Quick Start Form Below
  • Ask Us a Question

Investment Property Financing Overview


Program Options

At Luxury Mortgage we understand that borrowers have varying goals with their real estate investments. That's why we offer a variety of investment property loan solutions including:

  • 30, 20, 15, and 10 year fixed rate mortgages
  • Adjustable rate mortgages with 3, 5, and 7 year introductory rate periods
  • Jumbo loans for loan amounts exceeding today's conforming loan limits (may vary by area of the Country)
  • Both rate-and-term and cash-out refinancing solutions
Downpayment Requirements

Lenders consider mortgages for rental properties riskier investments when compared to lending on primary residences due to higher default rates. Thus, down payment requirements are typically greater. At Luxury Mortgage, most of our rental property loan solutions have a minimum 20-25% down payment. Interest rates for investment properties are also typically slightly higher than what is available for primary residences and second homes.

What types of properties may be eligible?

Luxury Mortgage lends on most types of 1-4 unit rental properties including:

  • Stick built homes
  • Townhouses
  • Condos
  • Modular properties

Properties must meet Fannie Mae's, Freddie Mac's, or our other investors' guidelines.

Any property with five or more units will likely require a commercial loan.

Get Started with Luxury Mortgage

Thank you for your interest in financing a rental property through Luxury Mortgage. Our licensed Residential Mortgage Loan Orginators are available to answer your questions at (888) 379-0303. If you prefer to contact us through our website, you may do so here or by completing the Quick Start form above. We'll route your request to the appropriate party who will reach out to you.