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22935 Ventura Blvd. Los Angeles, CA

Crestico Funding
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  2. Commercial Mortgages
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  4. Loans for Investments Properties

Private Financing Solutions for Investment Properties

Our team provides private funding for real estate investment projects across the nation. We offer loan terms of up to 30 years, fast closings, and zero upfront fees.
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Investment Property Loan Rates

Investment properties can be a powerful way to build wealth. By purchasing a rental property at the right price and securing the best financing, you can begin generating positive cash flow quickly.

Private mortgage rates are typically 0.5% to 0.75% higher than conventional loan rates (Source). Rental property mortgage rates can vary depending on factors such as the loan term, loan-to-value (LTV) ratio, property condition, location, and the overall risk assessment of the investment. Unlike traditional lenders who often focus primarily on owner-occupied homes, many do not offer financing for investment properties.

Since “non-owner occupied” properties carry more risk, lenders usually charge higher interest rates compared to primary residences.

At Crestico, our rental property loan rates start as low as 7%. However, your exact interest rate will depend on several factors—including the type of property, your credit profile, and the size of your down payment.

Ways to Get Financing for an Investment Property What You Need to Qualify

To qualify for an investment property loan, you’ll typically need a down payment ranging from 20% to 40% of the purchase price. If you’re applying for a cash-out refinance, lenders will look for substantial equity in the property. The larger your down payment or equity, the stronger your loan application will be, as this reduces the lender’s risk.

Beyond equity, lenders also evaluate your experience in real estate. Investors with a history of successful deals generally find the approval process easier, while first-time investors may undergo closer scrutiny. Having a clear strategy for managing the property, whether flipping for profit or holding for rental income, can strengthen your case.

In addition, lenders may review your credit history and cash reserves to ensure you can handle loan payments, property expenses, taxes, and unexpected costs such as repairs or vacancies. Demonstrating financial stability and preparedness shows lenders you’re capable of managing the investment responsibly.

At Crestico, we work with both new and experienced investors to design loan programs that fit their goals. By combining a solid financial foundation with the right strategy, you can position yourself for approval and move quickly on profitable opportunities.

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Buying a Rental Property

Buying a rental property is a popular investment strategy, offering positive cash flow, appreciation, and tax benefits. Loans typically require a 25% down payment, though equity or cash-out refinancing can help. Lenders also expect investors to maintain reserves for vacancies, repairs, and unforeseen expenses to ensure financial stability.

Refinancing Investment & Rental Property Loans

Crestico also offers real estate investors the option to refinance investment and rental properties. This allows borrowers to access their equity, secure a lower interest rate, or pay off an upcoming balloon payment.
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Investment Property Rehab Loans

Crestico provides rehab loans for investors to purchase, renovate, and quickly resell properties, as well as fix-and-hold loans for those seeking rental income. With fast approvals and funding, Crestico helps real estate investors secure opportunities, complete projects efficiently, and maximize returns on investment property deals nationwide.

Frequently Asked Questions

What are the ways to finance an investment property

For a purchase, you’ll need a minimum down payment of 20%. For a cash-out refinance, the property should have a value of at least $150,000 and a current loan-to-value (LTV) ratio below 70%.

Can I get financing for my first investment property?

Yes. If you’re a first-time investor, we offer tailored programs designed to help you get started in real estate. Simply reach out to us for more details—our team is here to guide and support you.

Is it possible to buy an investment property with less than 20% down?

The minimum down payment required is 20%, though a larger amount may be necessary depending on the property’s type and condition. Once we receive your initial documentation, our underwriters typically provide a decision within 24 to 48 hours.

Can an LLC qualify for a loan?

Yes, LLCs and corporations can qualify for investment property loans with Crestico.

Are interest rates higher on rental property mortgages?

Rates for investment property loans are generally higher than those for primary residences. On average, you can expect them to be about 0.55% to 0.77% above standard mortgage rates.

What’s the process for getting a loan to flip a house?

We’re here to support your investment goals by providing funding for your project, whether you’re a first-time or experienced investor. The process is simpler than you may think—if you can provide a down payment of 20% to 30% along with the required documentation, you can get approved, even with less-than-perfect credit.

Do you offer financing for land purchases?

Yes, we offer land and construction financing. Loan amounts range from $100,000 up to $50 million, with a minimum land or lot value of $150,000 required. Loan-to-Cost (LTC) ratios typically range from 55% to 85%, depending on your credit profile and level of experience.

Turn Ambition into Expansion with Strategic Financing from Crestico

Connect With a Commercial Loan Expert
David F. N.
In real estate, execution is everything. Having closed numerous transactions, I know firsthand that the right capital partner can make or break a deal. Working with Houtan and the CRESTICO team on our latest LA property reinforced what top-tier lending execution looks like. From initial loan structuring to the final wire at closing, Houtan and his team ran a seamless operation. They managed the complexity behind the scenes, maintained complete transparency, and kept the timeline tight without missing a beat. Buying property in Los Angeles can easily turn into a high-friction process, but their team provided the exact clarity, speed, and diligence required to navigate it smoothly. On a personal level, having known Houtan for years as a friend made the experience even more rewarding. It’s rare to find a team that seamlessly combines deep industry expertise with genuine personal integrity. They treated this transaction with the same care and focus as if it were their own. Whether you’re securing debt for your next investment(s) or purchasing a primary residence, I can’t recommend Houtan and the CRESTICO team highly enough. They are sharp, reliable, and exceptionally dedicated. I look forward to working with them again on future transactions.
Henry D.
Marisol was extremely helpful and successful in resolving the problems associated with my loan. We are very happy with our new loan.
Maria C.
They were always available to answer my questions and made the entire process simple and straightforward. I got a great rate and the support I needed to close on time. I wouldn't hesitate to use them again or recommend them to family and friends!
Nik N.
I couldn't have had a more amazing experience with our realtor - Diane Phillips. Diane is extremely knowledgeable and personable. She got to know me and my...
Tatiana G.
Houtan and Marisol are a great team. They helped my dad with his refinance and made the process seamless. They answered every question we had and came up with solutions if we ran into any issues. Thanks again!
Wesley P.
I had an amazing experience.I received all the information, support and they were very Knowledgeable of the information that I needed.
George H.
Excellent Mortgage Broker – Highly Recommended! I had an amazing experience working with Houtan and his team at Crestico. From start to finish, not only Houtan himself but his entire team made the mortgage process smooth, stress-free, and efficient. Their knowledge and expertise were evident at every step, ensuring I got the best possible loan terms. Communication was outstanding; Houtan was always available to answer my questions, explain complex details in a way that made sense, and guide me through the entire process with confidence. They were proactive, transparent, and truly had my best interests in mind. If you’re looking for a mortgage broker who is professional, reliable, and dedicated to helping you secure the best financing, I highly recommend Houtan and his team. I couldn’t have asked for a better experience!
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive, personable, and knowledgeable. He is incredibly reliable and would answer calls or emails within minutes when I had questions. I can't recommend Houtan enough for buying a house. We had been working directly with a large bank on a loan, and all seemed fine until we had an accepted offer, then we started having issue after issue where there was just no sense of urgency. We almost had to walk away from our house, but Houtan and his team were referred to us in mid escrow, helped us explore multiple options in parallel, and close on time. Houtan was very responsive and on top of everything, presented our options very clearly, patient with all our questions, and really understands the Los Angeles housing market.
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive,...
Nat Z.
Houtan is a top notch professional. He helped me with my pre-approval and walked me through every step of the loan process. He was extremely responsive,...
Niloofar S.
As a first time home buyer, taking out a jumbo loan could’ve been quite scary. But Houtan and his team made it a pleasant experience. An amazing team who are always one step ahead of the process.
Mohammad S.
Easy to work with ! Professional people and honest!
Jack M.
Worked with Houtan. He got our loan closed super fast and got us a rate that was lower than what our bank offered us. I'm very happy with Crestico and i recommend them to anyone.
Rebecca S.
Finally a real professional with a heart! Working with Houton makes me feel like having a friend who is on my side, rather than a businessman who is always looking out for #1. He is extremely helpful, knowledgeable, and responsive. He was always happy to explain and strategize with me whenever I needed help. Unlike most realtors and lenders out there who don't want to use their brains and only do easy and mindless paperwork, Houtan has great analytical and investment insights to share with his clients. I wholeheartedly recommend him to anyone who values the rare combo of both thoughtfulness and top-notch expertise.
Ramtin S.
Thank you Houtan and the entire team for going above and beyond every single time. From the onset, you guys gather whatever is necessary to get the job done as quickly and efficiently as possible, always keeping constant communication. My rate and fees are disclosed and never change at the time of signing.
Shayan M.
These guys were a godsend when searching for a home loan. I was first time home buyer and they helped out with the entire process. Everything from the customer service to making sure I was informed for every step of the process was handled exceptionally. I am absolutely ebullient with Houtan and his entire team have given me, and helping me transcend into the status of homeowner.
Pouyan B.
I have been working with Houtan for over 10 years. He and his office have always been great to work with. Excellent communication and great work ethic. I will definitely be back for my other mortgage needs in the near future.
Michael R.
Thank you Houtan and team for helping me secure my home loan! Great communication, customer service and rate! Look no further, call Crestico for all of your home loan needs.
Bronson M.
I want to express my gratitude to Houtan and his team. Houtan is extremely knowledgeable and really takes the time to answer any questions that you have. He wants the best for his clients and I would recommend him to anyone.
Diba P.
I want to take a moment to express my gratitude for Houtan Hormozian and the exceptional service he provided in helping me secure a loan. From our very first conversation, he was attentive, understanding, and incredibly knowledgeable about the lending process. He took the time to explain all the details, answered all my questions patiently, and worked tirelessly to find the best options tailored to my needs. His professionalism and dedication made what could have been a stressful experience into one that was smooth and straightforward. Thanks to Houtan Hormozian, I was able to secure the financing I needed, and I couldn't be happier with the outcome. I highly recommend him to anyone in need of lending services. His commitment to his clients is truly commendable!
Golnaz G.
Houtan and his team are the best. They made the whole process of buying the house so easy for me. Houtan is very professional,knowledgeable , trustworthy and caring. He wants the best for his costumers. I highly recommend him to everyone.
Cristy M.
Jason M.
Dane R.
We did a lot of research before settling on Houtan - and he has been a great find. He has helped us with our home purchase, and several refinances since then. As we look into purchasing rental properties, he is always available to answer questions and explain things in terms that non-brokers can understand. He is, and will always be a part of our investment team.
Sean L.
Houtan and His team are great. He got me a great rate and funded my loan before my escrow closing date. A ++
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