An investment property mortgage is designed specifically for homes or commercial buildings you plan to rent or flip for profit. Unlike a primary-residence loan, lenders view these loans as higher risk, so rates are typically a bit higher, and underwriting requires more documentation. But with the right strategy, you can leverage these mortgages to maximize cash flow, build equity, and enjoy long‑term appreciation.
An investment property loan helps you buy properties designed to generate income, typically through steady rental payments. Alternatively, some investors use these loans to purchase homes that they renovate and resell for profit.
Choosing the right loan program helps you optimize your returns. Here are the most popular options:
Investment property rates reflect the lender’s assessment of risk. Interest rates for investment property loans are usually higher than rates for primary residences because lenders view rental or resale properties as carrying greater risk.
Key factors affecting mortgage rates include:
A lender who specializes in investment property loans and offers flexible terms, like The Texas Mortgage Pros, is the best mortgage broker to work with when looking to finance an investment property. We can help you navigate the complexities of the market and secure favorable terms for your unique situation.
Texas stands out as one of the nation’s top states for real estate investors:
When you work with us, you’re not just another file on a desk, you’re a partner. You’ll enjoy:
Ready to take the next step toward homeownership? Get prequalified for an investment property mortgage in just a few minutes. Find out how much you can invest in your future.
Discover your qualification amount in 10 minutes or less with our easy, online pre-qualification process.
Get an instant estimate of how much you can qualify for, streamlining your home-buying journey.
Partner with our experienced, local loan experts who are dedicated to providing personalized and knowledgeable support.
Count on us to guide you smoothly through the process, ensuring your loan closes on time, every time. *Conditions must be met.
Before you apply, make sure you have:
With its booming economy, strong job growth, and rapidly expanding population, Texas stands out as one of the nation’s most lucrative markets for real estate investment. Investors can capitalize on diverse opportunities, from high-demand rental properties in thriving urban centers like Houston, Dallas, and Austin to undervalued gems in emerging suburban and rural markets. Whether you’re building a residential rental portfolio or acquiring commercial assets, Texas offers exceptional potential for long-term appreciation and cash flow.
When you’re ready to build wealth through real estate, the right financing can make all the difference. At The Texas Mortgage Pros, we guide you through every step of securing an investment property mortgage tailored to your goals, whether you’re acquiring your first rental home or expanding a multi-property portfolio. You’ll benefit from competitive rates, flexible terms, and our deep understanding of the Texas market.
Call us at (877) 280-4833 to speak with one of our Investment Property Mortgage Consultants or use the tools on this site to get started.
These products may have higher interest rates, more points or more fees than other products requiring documentation.
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply.
