Property Investment Loans
Whether you're a seasoned investor or buying your first rental property, Crestico’s Residential Investment Loan programs are tailored to help you build wealth through real estate.
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What Is a Investor DSCR Loan?
A residential investment loan is financing for non-owner-occupied properties—such as single-family rentals, condos, duplexes, or small multi-unit homes (up to 4 units). These properties are purchased or refinanced not for primary residence, but for income generation, asset growth, or capital reinvestment.
At Crestico, we specialize in helping real estate investors grow their portfolios with flexible and competitive loan solutions. Whether you’re expanding into rental properties, acquiring a new asset, or refinancing to access equity, our residential investment loan programs are designed to support your goals—with speed, simplicity, and strategy.
SFR 1–4 Unit Investment Property Loans
At Crestico Funding, we recognize the distinct needs of real estate investors. Our lending approach utilizes diverse underwriting strategies to align with your unique financial profile. Whether you’re focusing on property cash flow or considering a broader financial perspective, our goal is to secure competitive interest rates for you.
Our lending partners offer flexible loan options, including direct lending to LLCs, limited partnerships (LPs), and corporations, with interest-only adjustable-rate mortgages (ARMs) and adaptable cash-out features.
Our interest-only loans are designed to maximize property cash flow, with most programs featuring no prepayment penalties and fixed rates from 3 to 10 years, typically based on a 30-year term.
Key Features:
- Tailored Loan Options: Including interest-only, cross-collateralized, and blanket loans.
- Loan Range: $500,000 to $25 million for 1–4 unit single-family residences.
- Flexible Ownership Structures: Available to LLCs, LPs, corporations, and irrevocable trusts.
- Generous Cash-Out Terms: Access up to 60% of the appraised value, with no cap on cash-out proceeds.
- No Prepayment Penalty: Offering greater flexibility in managing your financial strategy.
Debt Service Coverage Ratio (DSCR) Loans for 1–4 Units
Crestico Funding offers DSCR loans that simplify the borrowing process by removing the need for tax returns, focusing on your credit score and the rental income from the property instead. These loans are perfect for vacation rentals and investment properties, providing financing up to $15 million.
Our loan programs include interest-only ARMs, with the flexibility to include or exclude prepayment penalties, and support various ownership structures, including LLCs, corporations, and limited partnerships.
Key Features:
- Custom Loan Solutions: Including interest-only, cross-collateralized, and blanket loans.
- Flexible Ownership Options: Loans available to LLCs, limited partnerships, corporations, and irrevocable trusts.
- Generous Cash-Out Options: Up to 60% of appraised value, with no cap on cash-out proceeds.
- No Tax Returns Required: Qualification based on property income or a comprehensive financial review.
- No Prepayment Penalty: Enjoy greater flexibility in managing your financial plans.
At Crestico Funding, we are committed to meeting the sophisticated needs of residential property investors and developers. Our custom loan solutions, including DSCR loans and interest-only options, are designed to support your investment ambitions. Contact us to learn how our tailored financing can fuel your next investment opportunity.