Investment Property Loans

Finance Your Rental, Vacation, or Second Home

Looking to build wealth through real estate? Whether you’re buying your first rental property or expanding your portfolio, CTC Mortgage offers tailored investment property loan solutions. From conventional mortgages to DSCR and second home financing, our team helps investors and vacation buyers find the right loan to match their goals.

Loans for Investing in Real Estate

CTC Mortgage provides financing not just for primary residences, but also for rental properties, vacation homes, and second homes. If you’re planning to earn rental income, you’ll need an investment property loan, while a second home loan is designed for part-time personal use with no rental activity.



  • Investment properties typically require 15–25% down and are designed for short- or long-term rentals.
  • Second homes usually require at least 10% down and must be occupied by the owner at least part of the year.

We can help you compare both paths to determine the right structure based on your goals and usage plans.

Investment Property Loan Options

We offer a variety of loan options to suit different types of investors:



  • Conventional Investment Loans: Backed by Fannie Mae and Freddie Mac, these are ideal for 1–4 unit properties. Most require 15–25% down depending on your credit and the number of units.
  • DSCR Loans: Instead of verifying personal income, DSCR (Debt Service Coverage Ratio) loans use the property’s rental income to qualify. Great for full-time investors, self-employed borrowers, or properties held in LLCs. Explore DSCR Loans
  • Portfolio/Commercial Loans: For properties with more than four units or unique structures, portfolio lenders and commercial loans offer more flexible underwriting.
  • Second Home Mortgages: If you’re purchasing a vacation home for personal use, we can help you secure a competitive rate with 10% down or more.

Investment Loan Requirements

Loans for investment properties typically come with more stringent guidelines than primary home loans. Requirements include:


  • Down Payment: 15% minimum for single-family, 25% for 2–4 unit properties
  • Reserves: Often 6–12 months of mortgage payments must be on hand
  • Credit Score: Most programs require 680+ for best rates
  • Rental Income: Conventional lenders count up to 75% of expected rent as qualifying income
  • DSCR: For DSCR loans, the rent must cover the mortgage (usually a 1.0+ ratio)

We’ll guide you through exactly what’s needed for your situation and help you prepare a strong application.

Tips for Real Estate Investors

Whether this is your first income property or your tenth, getting the financing right is key. Here are a few expert tips:



  • Get pre-approved before shopping to understand your budget
  • Consider future cash flow, maintenance, and vacancies
  • Make a larger down payment (e.g., 25%) to access better rates and avoid loan-level pricing adjustments
  • Work with a knowledgeable lender who understands rental income underwriting

CTC has helped countless clients grow their real estate portfolios with smart financing strategies. Let’s help you do the same.

Grow Your Portfolio with CTC Mortgage

From beachfront homes in Florida to college town duplexes in North Carolina, we provide financing for investors across the Southeast. Whether you plan to buy in your personal name or through an LLC, we’ll help match you with a loan program that supports your investment strategy.



Ready to buy a rental or vacation home? Let’s talk through your options and get you pre-qualified.

Explore Other Mortgage Options

Not sure if an investment loan is the right fit? Check out other loan programs designed for homeowners, veterans, and retirees:

Let’s Talk

Need help deciding which loan fits your goals?


Contact us to speak with a loan officer today.

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Faqs– Investment Property Loans

Answers to common mortgage questions

  • How much down payment is needed for an investment property loan?

    Most investment property loans require at least 15% down for a single-family rental. Multi-unit properties typically need 20–25%. Second homes, if used for personal purposes and not rented, can sometimes be financed with just 10% down. The exact requirement depends on your credit profile and the loan type.

  • What’s the difference between an investment property and a second home?

    A second home is a vacation property that you occupy yourself part of the year and do not rent out. An investment property is bought with the intention to generate income by renting it. Mortgage guidelines differ, with second homes typically getting better rates and lower down payments than rentals.

  • Can I qualify for an investment loan without showing personal income?

    Yes. With a DSCR loan, you can qualify based on the rental income the property is expected to generate. This is ideal for real estate investors, self-employed borrowers, or those using an LLC. These loans rely on the property’s cash flow rather than tax returns or W-2s.

  • Can I get a mortgage for a vacation home I use part-time?

    Absolutely. CTC offers second home loans for borrowers purchasing vacation properties they plan to use personally. These loans often require 10% down and favorable terms, as long as the home isn’t rented out regularly.

  • Can I buy an investment property in an LLC name?

    Yes, depending on the loan type. DSCR loans and portfolio loan programs often allow you to close in the name of an LLC or business entity. This can offer tax and liability benefits, but may come with slightly higher rates or requirements. We’ll help you determine what’s allowed for your loan structure.