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Investment Property Financing

Bank Statement Loans for Investment Properties

Expand your real estate portfolio with flexible financing. Get approved based on your bank deposits, not traditional income documentation.

No Tax Returns Required
Fast Approval Process
Competitive Rates
24-48 Hours
Average Approval Time
Up to 85%
Loan-to-Value Ratio
$100K+
Loan Amounts Minimum

A Lending Partner You Can Count On

What We Offer:

Bank Statement Loans for Primary Homes - Up to 90% LTV

Qualify for your primary residence using bank statements instead of traditional income documentation. Rates starting at 7.250% with flexible qualification requirements.

  • Up to 90% LTV - Minimal down payment required for your primary home purchase
  • 12 or 24 Month Bank Statements - Choose the option that best showcases your income
  • Exception-Based Lending - We work with unique situations to get your deal approved
  • Loan Amounts up to $5 Million - Financing solutions for high-value primary residences

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.

Investment Loan Comparison

DSCR Loans vs Bank Statement Loans

Compare two popular investment property financing options to find the best fit for your investment strategy and financial situation.

Comparison Factor

DSCR Loans

Debt Service Coverage Ratio

Bank Statement Loans

Cash Flow Based

Income Documentation

What's required to qualify

Property income only

No personal income verification required

12-24 months bank statements

Personal cash flow analysis

Qualification Method

How lenders evaluate you

Property cash flow ratio

Rental income ÷ mortgage payment

Personal cash flow

Bank deposit analysis

Tax Returns Required

Personal tax documentation

Not required

No personal tax returns needed

Not required

Bank statements replace tax returns

Minimum Requirements

Key qualification criteria

0.75x+ DSCR ratio

Property must cover its debt service

620+ credit score

Strong deposit history required

Interest Rates

Typical rate ranges

Generally higher

Rates from 9% to 13%

Generally lower

Rates from 7 to 9%

Down Payment

Minimum down payment

20-25%

Higher down payment required

15-20%

Lower down payment options

Best For

Ideal borrower profile

Experienced investors
Strong rental properties
Portfolio building
Self-employed investors
Strong cash flow
Complex tax situations

Not Sure Which Loan is Right for You?

Our loan specialists can analyze your situation and recommend the best financing option for your investment goals.

Simple Requirements

How to Qualify & Apply

Our streamlined process makes it easy to get approved for your investment property loan. Here's what you need to know.

Qualification Requirements

Credit Score

Minimum 620 credit score for most programs

Down Payment

Investment properties typically require:

  • 15-20% for single family homes
  • 20-25% for multi-family properties

Cash Reserves

2-6 months of mortgage payments in reserves recommended
​6-12 months of mortgage payments in reserves recommended (MF)

Bank Statements

  • 12-24 months of business bank statements
  • Consistent deposit history
  • Personal bank statements may be required

Application Process

1

Initial Consultation

Speak with our loan specialist to discuss your investment goals and loan options.

15-30 minutes
2

Document Submission

Upload your bank statements and basic documentation through our secure portal. Appraisal Ordered. 

2-5
3

Underwriting Review

Our team reviews your application and bank statements to determine loan approval. Appraisal returned. 

5-7
4

Close on Your Property

Once approved, schedule your closing and start building your investment portfolio.

10-30 days to close

Ready to Get Started?

Let's discuss your investment property financing options today.

Ready to Expand Your Investment Portfolio?

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.

Fast Approval

24-48 hour pre-qualification

No Tax Returns

Bank statements only

Competitive Rates

Best rates for investors

Speak with a Loan Specialist

Get personalized advice and answers to all your questions about bank statement loans for investment properties.

Call: (714) 923-7420
Email: Michael@SaviRanchCapital.com
Mon-Fri: 8AM-5PM PST

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