Residential Investment Property Loans

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what is a residential investment property loan?

Residential Investment Loan is a mortgage used to purchase a property that generates income, such as a rental property or a property to be flipped and sold for a profit. These loans are also known as rental property loans.

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What Do You Need To Qualify?

Experience Required

Applicants must have a proven track record with successful residential real estate investment projects.

Property Value Requirement

To qualify, the residential property must have a minimum value of $250,000, no matter the property type.

Credit Score Needed

A minimum credit score of 650 is required to be eligible for funding options.

Why AVE Capital Group Financial?

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Apply Online

Apply in seconds with our simple process and secure pre-approval fast—no complicated steps or long wait times.

Review Options

Once approved, you’ll get multiple funding offers. Compare terms, amounts, and rates to choose the best fit for your business needs.

Receive Your Funds

After selecting your offer, funds are sent quickly, often the same day, so you can start using them right away for your business growth.

I had experience in real estate but struggled to secure funding that recognized my background. AVE Capital Group made the entire process smooth and straightforward. They understood my previous success with property investments and helped me qualify for a great financing option. Their team was knowledgeable, and the approval process was faster than I expected. I highly recommend AVE Capital Group for anyone serious about growing their real estate portfolio.
Michael Torres
Real Estate Investor
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Residential Investment Loan

Residential Investment Loan is a mortgage used to purchase a property that generates income, such as a rental property or a property to be flipped and sold for a profit. These loans are also known as rental property loans.

How they work:
  • Investment property loans are typically fixed-rate mortgages.

  • They often have higher interest rates, down payments, and stricter qualifying requirements than a typical mortgage.

  • Investors may need a credit score of at least 620, and a down payment of 20% or more.

  • Some lenders may allow borrowers to use one unit of a multi-unit property as their primary residence.

Types of investment property loans:
  • Fix-and-flip loans: Short-term loans that finance the purchase and renovation of a property that will be resold for a profit.

  • Home equity loans and HELOCs: Allow property owners to use their home equity as collateral for new investments.

  • Real estate crowdfunding: Investors pool their funds on a crowdfunding platform to finance real estate projects.

When to use an investment property loan:
  • To purchase a second home

  • To purchase a vacation property

  • To purchase a one- to four-unit residential property

  • To renovate a property and resell it for a profit