Investment Property Loans with Crestico Funding
Build Wealth Through Real Estate — Smarter, with Expert Financing. Real estate investing can be one of the most powerful ways to build long-term wealth — and it all starts with smart financing.
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What is an Investment Property Home Loan?
The banks classify an “investment property” as a home that’s “non-owner occupied.” In other words, you plan to rent the home to tenants 12 months out of the year. The main purpose aside from any tax benefit and equity growth is to produce income from the rent you collect. Rental properties can be hundreds of miles from your primary residence or they can be next door.
We can help you understand the costs of owning an investment property. You will need to have all the information to help you determine if investment property you’re considering makes sense.
Apply online today. Our streamlined loan process can move you through the process quickly and efficiently, and with some of the lowest rates available.
An investment property is a home you purchase primarily to generate rental income or gain from appreciation — not as your primary residence or vacation home. These include:
- Single-family homes
- Duplexes, triplexes, fourplexes
- Condos or townhomes
- Short-term rental properties (Airbnb, VRBO)
- Mixed-use residential properties
Because these properties pose a slightly higher risk to lenders, loan requirements are different from primary home financing — and that’s where Crestico’s expertise makes a difference.
What Makes a Property an Investment?
An investment property is purchased with the intent to:
- Generate rental income (long-term or short-term)
- Appreciate in value over time
- Flip for resale profits
These homes are not used as your primary or secondary (vacation) residence, which means lenders assess them differently — often with higher down payments, stronger credit requirements, and an emphasis on the property’s income potential