Talk To - call (302) 391-7052
Talk To The John Thomas Team - call 302-703-0727
Investment Property Loans | Rental Property Financing in Pennsylvania
Looking to build your real estate portfolio or purchase a vacation home?
Investment property loans offer flexible financing for buyers who want to own property beyond their primary residence. Whether you're purchasing your first rental or adding to an existing portfolio, conventional loans provide long-term financing with predictable payments and competitive rates.
What Counts as an Investment Property?
An investment property is any residential property that is not your primary residence and is intended to generate rental income or long-term appreciation. This includes:
Single-family rental homes
Condos or townhomes for lease
Vacation homes or second homes
Multi-unit properties (2–4 units)
Benefits of Conventional Investment Property Loans:
Available for single-family and multi-unit homes
Fixed and adjustable-rate options
15–25% down payment required (varies by property type and occupancy)
Competitive interest rates
Use projected rental income to help qualify
Eligible for rate-and-term or cash-out refinance
It might be easier to get pre-approved for a mortgage than you ever imagined. We believe in making it as easy as possible for everyone to purchase their own home. Click here now to get started, it only takes a few minutes online.
Qualification Guidelines
Investment property financing follows stricter guidelines than primary residence loans. Most lenders require:
Minimum 15% down for single-family rentals (25% for multi-units)
Credit score of 680+ (720+ preferred for best pricing)
Reserves (2–6 months of mortgage payments in savings)
Documented rental income or market rent estimates
Strong debt-to-income ratio and provable income
We’ll guide you through the qualification process and help structure your financing to support your short- and long-term goals.
Explore Other Loan Options
Not sure if a refinance is the best route? You may want to compare your options on the [main Conventional Loan Programs page] or explore:
Get Pre-Approved for a Jumbo Loan:
We’ll help you understand your local loan limits, review your qualification options, and walk you through the jumbo loan process from start to finish.
Start your application or request a free consultation below.
- NMLS#
John Thomas
Loan Officer - NMLS# 3094
Get a personalized and successful home loan approval experience
See how much you qualify for in 60 seconds or less.
PRMI NMLS 3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.
