Whether you’re expanding your portfolio or buying your first rental, Ryan O’Kane and Arbor Financial Group offer tailored investment property loan solutions with competitive rates, flexible terms, and expert insights to support your real estate goals.
Investment property loans are mortgages designed specifically for real estate investors looking to purchase or refinance rental properties, multi-units, or other income-generating homes. Working with Ryan O’Kane at Arbor Financial Group, you’ll explore financing solutions suited to your goals, including competitive interest rates, flexible terms, and a streamlined process for building long-term wealth.
Anyone aiming to grow their real estate portfolio can benefit from investment property loans. Whether you’re a first-time landlord or a seasoned investor, Ryan provides options tailored to your experience level, financial profile, and property type. These loans help you tap into real estate’s earning potential through rental income, appreciation, and tax advantages.
From conventional investment loans and DSCR loans to short-term fix-and-flip financing, Arbor Financial Group offers diverse loan programs built around the needs of real estate investors. Ryan reviews your strategy—buy-and-hold, renovation, or multi-property acquisitions—to match you with a mortgage solution that optimizes returns and minimizes hassle.
While loan qualifications vary, investment property mortgages typically require a stronger credit profile, a larger down payment (often 15–25%), and proof that you can handle mortgage payments alongside other expenses. Ryan helps you prepare the necessary financial documentation—such as bank statements, rental income forecasts, or tax returns—to ensure a smooth approval process.
Securing a competitive mortgage rate is key to maximizing your rental income and ensuring a healthy return on investment. Ryan O’Kane works to find lenders who offer favorable terms and rate options tailored to your property’s potential. By keeping financing costs low, you can direct more cash flow into building your real estate portfolio.
Long-term success in real estate investing often means growing beyond a single property. With Arbor Financial Group’s resources and Ryan’s expertise, you can scale your investment property holdings strategically. From refinancing existing loans to accessing equity for your next purchase, each step is designed to support sustainable portfolio growth.
With years of mortgage expertise focused on real estate investors, Ryan O’Kane offers a clear path to securing investment property loans that fit your long-term goals. Backed by Arbor Financial Group’s resources and diverse lending network, he provides competitive rates, flexible loan terms, and a streamlined approval process. Whether you’re a seasoned landlord or exploring your first rental, Ryan ensures your financing strategy aligns with maximizing returns and sustainable growth.
From loan pre-qualification to closing, our mortgage professionals guide you through every step of the financing process. We understand the challenges investors face and offer competitive rates, flexible terms, and fast approvals to keep your real estate investments moving forward.
If you’re ready to grow your real estate portfolio, contact us today to explore your investment property financing options and secure the funding you need!
Curious about how investment property loans work or what you’ll need to qualify? Explore frequently asked questions below to understand your options, from down payment requirements and credit guidelines to rental income qualifications. Ryan O’Kane and Arbor Financial Group are here to guide your real estate investment journey with clarity and confidence.
You can purchase single-family rentals, 2–4 unit properties, condos, and even certain multi-family or mixed-use homes. Ryan O’Kane evaluates your goals and connects you with loan programs designed to fit the property’s potential and your investment strategy.
Yes. Many investment property loans consider projected or existing rental income in qualifying. Whether you’re buying a new rental or refinancing an existing property, this approach helps boost your eligibility for higher loan amounts and better terms.
Some investment property loan programs limit the total number of financed properties, but Ryan can help you find solutions—even if you have multiple existing mortgages. Portfolio loans or DSCR loans can simplify multi-property financing.
Down payment requirements typically range from 15–25% for investment loans, depending on factors like loan type, credit score, and occupancy. Ryan helps you explore conventional or non-QM options to find a down payment that fits your financial situation.
That’s perfectly fine. Whether you’re a first-time investor or an experienced landlord, Ryan O’Kane ensures a tailored approach. He’ll walk you through the fundamentals—like cash flow analysis and loan selection—so you can feel confident in your decisions.
Investment property loans typically require higher credit scores, larger down payments, and higher interest rates compared to loans for primary residences. Lenders assess property cash flow, rental potential, and borrower financial stability before approval.
A strong credit score usually leads to better rates and easier approval. Most lenders prefer a score of 620 or higher, but 700+ often unlocks more competitive interest rates and reduced risk overlays for investors.
An investment property loan is a mortgage used to purchase rental properties, multi-unit buildings, vacation homes, or fix-and-flip properties. Unlike primary home loans, investment property loans require higher down payments, stricter credit requirements, and verification of rental income potential.
Investment property loans can be used for single-family rentals, multi-family properties (duplexes, triplexes, and fourplexes), short-term vacation rentals, and commercial real estate. Some programs also finance fix-and-flip projects for investors looking to renovate and resell properties.
Yes! Many lenders offer investment loans for short-term rental properties, including Airbnb and VRBO homes. Lenders assess the property’s rental income potential and may allow debt-service coverage ratio (DSCR) loans, which use rental income to qualify instead of personal income.
Most investment property loans require a minimum credit score of 640 to 700, but higher scores often lead to better interest rates and lower down payment requirements.
Down payments for investment property loans typically range from 15% to 25%, depending on the loan type, credit score, and financial profile. Some portfolio lenders and non-QM loan programs offer lower down payment options for experienced investors.
Yes! Many lenders allow borrowers to use projected or current rental income to help qualify. DSCR loans, for example, use the property’s rental income potential instead of personal income, making it easier for investors to secure financing.
Investment property loans generally have higher interest rates than primary home mortgages because lenders view them as higher-risk loans. However, borrowers with strong credit, solid financial reserves, and a larger down payment may qualify for competitive rates.
Debt-Service Coverage Ratio (DSCR) loans qualify borrowers based on rental income rather than personal income. Lenders calculate the property’s cash flow versus loan payments, making it a great option for investors who want to qualify without W-2 income or tax returns.
First-time investors may benefit from conventional investment loans or FHA multi-unit financing, which allows owner-occupied properties with just 3.5% down. Other options include DSCR loans or non-QM mortgages, depending on income structure and investment strategy.
Most investment property loans require at least a 15% down payment, but some private lenders and portfolio loans may allow low or no down payment options for experienced investors. Hard money lenders also offer financing with lower cash requirements but higher interest rates.
Lenders typically allow investors to finance up to 10 properties using conventional loans, while portfolio lenders and non-QM lenders offer unlimited investment property financing for experienced borrowers.
Ryan O’Kane at ARBOR Financial Group delivers personalized mortgage solutions with integrity, fast custom quotes, and competitive rates. Licensed in CA and NV.
