Investment Property Loans in Pennsylvania

Financing Your Investment Property in PA

Investment property loans operate differently than primary residence loans — higher down payment requirements, different qualifying ratios, and more complex underwriting. Alex works with real estate investors at all levels, from buyers purchasing their first rental property to experienced investors building multi-property portfolios across Chester, Delaware, and Montgomery counties.

Investment Property Loan Options

There are several loan products available for investment properties depending on your strategy, credit profile, and property type.

• Conventional investment loans — 15–25% down; best rates for strong-credit investors
• DSCR loans — qualify based on property cash flow, not personal income; ideal for LLCs and self-employed investors
• 2–4 unit properties — live in one unit and rent the others; may qualify for lower down payment
• Portfolio loans — flexible products for investors with multiple financed properties
• Cash-out refinance on investment property — access equity to fund the next acquisition

Why Investors Work With a Broker

Investment property financing is one area where the difference between a bank and an independent broker is especially pronounced. Banks are limited to their own products and guidelines. Alex accesses wholesale lenders who specialize in investor financing — including DSCR lenders who qualify based on rental income rather than personal income, which can be a game-changer for self-employed investors or those with complex tax returns.