An investment real estate property loan is a type of loan that is used to finance the purchase of a property that is intended to generate income, such as a rental property or a commercial property. These loans are typically different from traditional home mortgage loans, as the property is not intended to be the borrower’s primary residence.

Investment real estate property loans come in a variety of types, including fixed-rate, adjustable-rate, and interest-only loans. The loan terms and requirements can vary based on the lender and the property being financed.

To qualify for an investment real estate property loan, the borrower typically needs to have a good credit score, a steady income, and a down payment of at least 20% of the purchase price. The lender will also evaluate the property to ensure it is a good investment and can generate enough income to cover the loan payments.

Investment real estate property loans can be used to purchase a variety of properties, including residential rental properties, commercial properties, and multi-family properties. These loans can be a useful tool for real estate investors looking to expand their portfolio and generate passive income.

It’s important to carefully consider the costs and risks associated with an investment real estate property loan, including the costs of owning and maintaining the property and the potential for rental income fluctuations. Working with a reputable lender or mortgage broker, such as Arrive Realty & Finance, can help investors navigate the loan process and choose the best option for their financial goals.