09 · Loan Program

Investment Property Loans

Conventional and non-conventional financing for rental acquisitions, fix-and-flip projects, and multi-unit income properties.

Who Investment Property Financing Is For

Buyers adding long-term rental properties to an existing portfolio or acquiring their first income-producing asset
Investors purchasing 2–4 unit properties where rental income from other units offsets the mortgage payment
Fix-and-flip buyers seeking short-term bridge financing tied to after-repair value rather than current condition
Real estate professionals, high-income W-2 earners, and business owners building passive income through real estate

How It Works

From first conversation
to closing day.

Strategy Alignment

Tanya identifies whether conventional, DSCR, bridge, or hard money is the right structure based on hold time, exit strategy, and property condition.

Income Analysis

For conventional investment loans, 75% of projected rental income can be used to offset the mortgage payment in DTI calculations, improving qualification.

Higher Reserves Requirement

Investment property loans require 6–12 months of PITI in reserves post-closing, plus reserves for any other financed properties in the portfolio.

Closing & Property Management

Conventional investment loans close in 21–30 days. Tanya can coordinate timing around lease transitions, inspection contingencies, and tenant occupancy.

Key Benefits

What makes this program
work for the right borrower.

Rental Income Offsets DTI

75% of market or actual rent is counted as income in conventional underwriting, allowing investors to qualify for larger portfolios than personal income alone would support.

Up to 10 Financed Properties

Fannie Mae guidelines allow financing of up to 10 properties simultaneously. Tanya structures each acquisition to preserve eligibility for the next.

Multiple Financing Structures

From 30-year fixed conventional to short-term bridge loans, the right structure depends on the deal. Having access to 100+ lenders means the fit is always specific, not generic.

Requirements Snapshot

Quick-reference guidelines.

Minimum Credit Score	620 minimum for conventional; 680+ recommended for best rate tier
Down Payment	15% for single-family investment; 20–25% for 2–4 unit properties
Cash Reserves	6 months PITI required post-closing; additional reserves for each financed property
Rental Income Credit	75% of market or actual rent applied to DTI offset; lease or market analysis required
Property Condition	Must meet conventional appraisal standards; distressed properties require bridge or rehab financing

Edge Home Finance, LLC • NMLS #891464 • 5860 Baker Road, Minnetonka, MN 55345

Equal Housing Opportunity Lender. This is not a commitment to lend. All loans subject to credit approval.

Licensed in: Georgia and Florida • NMLS Consumer Access: www.nmlsconsumeraccess.org • Licensing & Disclosures

Equal Housing Opportunity