Investment Property Loans

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Real Estate Investment properties are a great way to generate passive income. We provide everything you need to secure your next investment property, all in one place.

A One-Stop Shop For All Your Lending Needs

What Are Investment Property Loans?


An Investment Property Loans is a financial tool that secures the capital you need to secure and make renovations to a Real Estate Investment Property. This loan gives you the ability to purchase, improve, refinance, or cash-out.

Real Estate Investments can make you a substantial amount of money in passive income. These loans are primarily for single-family, townhome, condo, or multi-unit properties but can also be used for commercial real estate like office buildings and warehouses.

Opportunity Business Loans is amongst the most experienced and reliable Investment Property Lenders that can approve you and secure capital you need much faster than a traditional bank or credit union. We offer customized loan options that fit your unique investor needs. Give us a call today or fill out our online application form if you’re interested in financing your next investment property.

Features

  • Loan Amount: $100,000 – $50,000,000
  • Loan-to-Value: Up to 80%
  • Term Length: 1 – 30 Years
  • Interest Rate: 4% – 7%
  • Approval Time: Same-Day
  • Time To Fund: 2 – 4 Weeks

Benefits

  • Reduced origination fees
  • Variety of terms and products
  • Low rates
  • Increased income
  • Tax benefits
  • Investment portfolio growth
apartment building

Investment Property Loan Eligibility

  • Credit History: Lenders will look at your credit history to see if you are a risky borrower to lend to. If you have a high credit score, you are more likely to be approved for an Investment Property Loan.
  • Cash Reserves: It is a good idea to have at least 5 months of cash reserves on hand when applying for a loan. There are different cash reserve requirements based on your unique situation like the number of properties you manage and any outstanding debt you owe.
  • Down Payment: The down payment required on your loan can be as low as 15% but is typically closer to 20%. This is required to eliminate the need for mortgage insurance and to reduce the risk for the lender.
  • Debt-to-Income: Your Debt-to-Income (DIT) is the percentage of your income paid out to debts. This should generally be lower than 50% if you are applying for any type of loan.
  • Proof of Income: To qualify for any real estate loan, you will need to prove a steady flow of income. This is generally shown through pay stubs and W2s for employees and through tax returns for self-employed individuals.
multi-unit real estate

Purchasing A Rental Property

Residential rental properties are the most popular form of Real Estate Investment. Investors typically look to purchase rental properties through an Investment Property Loan. Then, they rent that property out to achieve a positive cash flow.

Aside from passive income, you will usually enjoy the benefits of appreciation and tax deductions while you hold the property.

Loans for rental properties do not come with 100% financing, which means you will need some kind of down payment. If you don’t have cash but do have equity in another property, you can use that equity as leverage to secure your new Property Investment Loan.

Call Us Today at (855) 211-6522!

6 Reasons To Invest In Real Estate

There are multiple benefits to investing in real estate. Investors can enjoy predictable cash flow, excellent returns, tax advantages, and portfolio diversification. If you are ready to buy your next investment property, give us a call or fill out our online application form today.

1. Cash Flow

Cash flow is the profits that you take home at the end of the day after paying all operational expenses, including mortgage payments and general repairs. Possible the largest benefit to investing in real estate, Cash Flow generally strengthens over time as you pay down your mortgage and increase your equity. 

2. Tax Benefits

There are multiple tax breaks and deductions that can save you money as a real estate investor. You can deduct the costs of owning, operating, and managing a property. Also, you may be able to defer capital gains tax by using a 1031 Exchange.

Additionally, if you hold the property long enough, you might benefit from decades of deductions since the property can be depreciated. 

3. Appreciation

There are three main ways that investors make money: rental income, profits from business activity, and appreciation. The value of real estate usually increases over time, which means you can turn a profit when you go to sell the property in the future. 

4. Build Wealth

The great thing about real estate investing is it creates a snowball effect. As you pay down the mortgage, you build equity in the property. As you build equity, you increase your leverage. This allows you to buy more properties to increase your cash flow even more. And the cycle continues. 

5. Portfolio Diversification

An important part about investing your money is diversifying your portfolio. You definitely do not want all of your eggs in one basket. Real estate has a low correlation with other major asset classes. Investing in Real Estate will provide lower volatility and less risk.

6. Increase Leverage

If you are an experienced Real Estate Investor, you know that leverage is the name of the game. Leverage is when you use a loan to invest in a new property or increase a current property’s potential return. Real estate is a tangible asset and can serve as collateral for future financing needs. This allows you to keep building up your portfolio over time to create multiple income-producing properties. 

Why Partner With Opportunity Business Loans?

We are one of the nation's top Real Estate Investment Lenders. Our Real Estate Loan Program offers flexible terms, competitive rates, one-on-one consulting, flexible underwriting, and funding in all 50 states!

Flexible Terms
Flexible Underwriting
Fast Funding
Competitive Rates
Personal Advising
No Prepay Penalties

Types of Real Estate Properties

Opportunity Business Loans offers fast and reliable financing options for investors looking to purchase any type of property. Whether you are constructing a strip mall or are renovating an apartment building, we've got you covered.

1.
Single Family
2.
Multifamily
3.
Apartments
4.
Industrial
5.
Retail
6.
Vacant Land
7.
Duplex
8.
Vacation Homes
9.
Office Buildings
10.
Warehouses
11.
Hotels
12.
Working Farms

Get Business Financing Today

In just 3 easy steps, you can explore your financing options.

Step 1: Just one simple application

Start by filling out our fast application where you can tell us about you and your business. With just one simple application, you'll have access to over a hundred different lenders.

Step 2: Match with the best lender

After submitting your application, our advisors will evaluate your business profile and match you with lenders who can offer the best financing for your business.

Step 3: Select and receive the best financing

Review all your different financing opportunities with an advisor at hand. With so many opportunities at your door, you’ll find the best one to meet all your business needs.

We’ll Bring You The Right Opportunity.

We work with only the best lenders to give you a variety of options to choose from. Compare different rates from just one site. Let Opportunity knock on your door!
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