undefined
Expand your real estate portfolio with flexible financing. Get approved based on your bank deposits, not traditional income documentation.
Qualify for your primary residence using bank statements instead of traditional income documentation. Rates starting at 7.250% with flexible qualification requirements.
Our in-house funding team specializes in creative solutions. If your deal makes financial sense, we have the expertise and capital to make it happen quickly and efficiently.
Compare two popular investment property financing options to find the best fit for your investment strategy and financial situation.
Debt Service Coverage Ratio
Cash Flow Based
What's required to qualify
No personal income verification required
Personal cash flow analysis
How lenders evaluate you
Rental income ÷ mortgage payment
Bank deposit analysis
Personal tax documentation
No personal tax returns needed
Bank statements replace tax returns
Key qualification criteria
Property must cover its debt service
Strong deposit history required
Typical rate ranges
Rates from 9% to 13%
Rates from 7 to 9%
Minimum down payment
Higher down payment required
Lower down payment options
Ideal borrower profile
Our loan specialists can analyze your situation and recommend the best financing option for your investment goals.
Our streamlined process makes it easy to get approved for your investment property loan. Here's what you need to know.
Minimum 620 credit score for most programs
Investment properties typically require:
2-6 months of mortgage payments in reserves recommended
6-12 months of mortgage payments in reserves recommended (MF)
Speak with our loan specialist to discuss your investment goals and loan options.
Upload your bank statements and basic documentation through our secure portal. Appraisal Ordered.
Our team reviews your application and bank statements to determine loan approval. Appraisal returned.
Once approved, schedule your closing and start building your investment portfolio.
Let's discuss your investment property financing options today.
Get pre-qualified for a bank statement loan in as little as 24 hours. No tax returns, no hassle – just fast, flexible financing for your next investment property.
24-48 hour pre-qualification
Bank statements only
Best rates for investors
Get personalized advice and answers to all your questions about bank statement loans for investment properties.