Real Estate Investment Loans Built for Serious Investors
Savvy Mortgage has real estate investment loans structured around how investors operate, fast closings, and loan programs that work across deal types.
Investor Financing
Built around your deal
Every Investment Home Loan Option in One Place
Bridge Loan
A bridge loan is a short-term investment home loan designed to finance a property quickly while you arrange permanent financing or prepare the asset for sale.
DSCR Loan
A Debt Service Coverage Ratio (DSCR) loan qualifies you based on the rental income the property generates, not your personal income or tax returns.
Rental Property Loan
A rental property loan is a long-term financing solution designed specifically for single-family rentals, small multifamily properties, and buy-and-hold investment strategies.
Non-Qualified Mortgage (Non-QM)
A Non-Qualified Mortgage is a loan for investment property that falls outside standard Fannie Mae and Freddie Mac guidelines, and that's exactly what makes it useful.
What Real Estate Investment Financing Does for You
Close faster and compete on terms
Real estate investment loans are structured for speed with streamlined underwriting, asset-based qualifying, and dedicated investor loan specialists.
Qualify on the property
DSCR and Non-QM programs let the asset do the qualifying. If the numbers work on the property, your personal income picture doesn't have to be perfect.
Finance multiple properties
Investment home loans from Savvy Mortgage are designed to scale with your portfolio, without the restrictions that slow conventional borrowers down.
Match your loan structure to your exit strategy
Use a bridge loan with an interest-only structure. Lock in a 30-year fixed rental property loan. Your financing should fit your strategy.
How to Apply for an Investment Property Loan
Tell us about the property and deal
Share the property type, estimated value, purchase price or refinance amount, and your intended use.
Choose your loan program
Our licensed mortgage experts will match your deal to the right program based on your requirements.
Complete your application
Our guided online application walks you through each section clearly. Upload your documents securely.
Get your approval and close
Once reviewed, you'll receive your approval decision and loan terms with a clear closing timeline.
Take the next step
Ready to Finance Your Next Investment Property?
Savvy Mortgage makes it easy with a clear picture of your loan options, qualifying scenarios, and what your investment financing will cost, in minutes.
FAQs
Real estate investment loans can finance single-family rentals, 2–4 unit properties, multifamily buildings, short-term rentals (Airbnb/VRBO), fix-and-flip projects, and mixed-use properties. Eligibility depends on the specific loan program and the property's income potential or as-completed value.
A DSCR loan qualifies you based on the property's income rather than your personal tax returns or employment history. The lender calculates the Debt Service Coverage Ratio by dividing the property's gross monthly rent by the total monthly loan payment (principal, interest, taxes, insurance). A DSCR of 1.0 means the rent exactly covers the debt; most programs prefer 1.0–1.25 or higher. Self-employed investors, portfolio builders, and borrowers with complex income structures benefit most from DSCR financing.
Down payment requirements vary by program. DSCR and rental property loans typically require 20–25% down. Bridge loans may require 20–30% of the purchase price or after-repair value, depending on the deal structure. Non-QM loans for investment property generally start at 20% down, though terms vary based on credit score, loan amount, and property type.
Bridge loans are built for speed. With complete documentation and a clear deal structure, closings can happen in as little as 10–21 business days, depending on property type, title complexity, and appraisal turnaround. Savvy Mortgage's investment loan team is experienced with time-sensitive acquisitions and will give you a realistic closing timeline from day one.
A Non-Qualified Mortgage (Non-QM) is an investment home loan that operates outside the standard Fannie Mae and Freddie Mac guidelines used by conventional lenders. Non-QM programs are structured for investors with unconventional income documentation, foreign national buyers, high-balance scenarios, or properties that don't meet agency eligibility requirements. If your deal is strong but doesn't fit a conventional box, Non-QM financing is often the fastest path to closing.