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Investment Property Loans

Investment Property Loan

Adding a property to your investment portfolio is a big decision, whether you are buying for long-term rental income or wanting to flip quickly and sell for a profit. When you’ve found the property that meets your financial goals, Texell is ready to help you unlock the door.


Benefits of an Investment Property Loan with Texell:

  • Local Home Loan Heroes are with you every step of the way
  • Competitive rates as low as 4.252% APR
  • Available for a new purchase, refinance and refinance with cash out
  • Terms of 10 to 30 years

An investment property is a purchase not intended to be your primary residence. This type of loan generally has a higher rate and down payment requirement than a conventional purchase. At Texell, we work to get you the best rate and term for your purchase.

Our Home Loan Heroes are standing by to answer your questions, or if you’re ready to begin the process, start your application today!

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Today's Investment Property Loan Rates

Type and Term Rate1 APR2
10-year Investment Property Loan 4.000% 4.252%
25-year Investment Property Loan 4.500% 4.679%
20-year Investment Property Loan 4.625% 4.825%
30-year Investment Property Loan 6.000% 6.218%

1 Rates listed for Investment Property Loans are based on a credit score of 740+, a minimum loan amount of $100,000 with a loan-to-value of no more than 80% and are for a single-unit investment property. No cash out, qualifying debt ratios, credit, and a 30-day lock.

2 APR = Annual Percentage Rate








Frequently Asked Questions:


Investment property loans are intended for homes or properties that are not your primary residence. Cash reserves may be required for loan approval, in addition to:

  • Minimum down payment of 20%
  • Minimum credit score of 620
  • Maximum loan-to-value of 80% for a single-unit property
  • Maximum loan-to-value of 75% for a 2- to 4-unit property
  • Minimum loan amount of $20,000

If you’re ready to refinance your investment property loan, cash reserves may be required for loan approval, in addition to:

  • Minimum credit score of 620
  • Maximum loan-to-value of 75% for 1- to 4-unit properties
  • Minimum loan amount of $20,000

Yes, a refinance can allow cash out if the loan is not more than 75% of the appraised value for a single-unit property or 70% of the appraised value for a 2- to 4-unit property.

For example: If you have a 4-unit property loan of $250,000 and the property is appraised at $400,000, you could potentially borrow up to70% of the appraised value ($280,000), pay off the original loan balance ($250,000), and receive the remainder ($30,000) as cash.

Loan-to-value (or LTV) is the ratio between the mortgage’s principal balance and the property’s appraised value (or purchase price if it is lower). For example, a $100,000 property with an $80,000 mortgage has an LTV of 80%.









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