Private Financing Solutions for Investment Properties
Investment Property Loan Rates
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
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.
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.
