Investment property Mortgage rates for July 25, 2026
Compare financing options for rental properties, vacation rentals, multifamily investments, and real estate portfolios. Explore conventional, DSCR, bank statement, and Non-QM investor loan programs.
100% secured. No impact to your credit scores.
We finance up to 30 units with our investment programs
Conventional, DSCR and Commercial Loans
LLC Financing Available
Fix and Flip, Rehab, Construction Loans
Long Term, Short Term Rentals
Investment property mortgage rates vary based on down payment, property type, loan program, credit score, and investor experience. Compare multiple financing options to find the right solution for your investment goals.
Higher credit scores may qualify for better rate and lower down payments.
Down payment options with as low as 15% on our conventional and DSCR investment loans.
Single family, condo, multifamily up to 30 units allowed.
We offer Fix and Flip loans for rehab of investment properties as well ground up construction loans.
Rates change daily based on economic activity, your financial standing and your experience as an investor.
100% secured. No impact to your credit scores.
Purchase and refinance FHA mortgage rates updated as of July 25, 2026. Rates are informational only and subject to change. Personalized rates may vary based on credit score, loan amount, property type, occupancy, discount points, and other loan factors. Not a commitment to lend. Data Source: Zillow Inc. 2006-2026.
Which one is the better one for you?
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Requirement
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Conventional Loan
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DSCR Loan
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Fix and Flip Rehab
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|---|---|---|---|
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Credit Scores
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640
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620
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550
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Minimum down payment
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15%
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15%
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20%
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Debt to income ratio (DTI)
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Up to 45%
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N/A
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N/A
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Loan Limits
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|||
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Purpose
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Long and short term rentals
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Long and short term rentals
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Rehab
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Yes
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We compare rates from 40+ lenders to find competitive options that fit your needs. You’ll get expert guidance, personalized solutions, and a partner who works for you.
We compare rates from 40+ lenders to find competitive options that fit your needs. You’ll get expert guidance, personalized solutions, and a partner who works for you.
Investment property mortgage rates are interest rates offered on loans used to purchase or refinance non-owner-occupied properties. Because investment properties typically present more risk to lenders than primary residences, rates are often slightly higher than traditional owner-occupied mortgage rates.
Down payment requirements vary depending on the loan program and property type. Conventional investment property loans often require 15% to 25% down, while some DSCR and Non-QM programs may require different minimum down payment amounts based on borrower qualifications and property cash flow.
Here at Andes Mortgage, we have DSCR loan options with down payments as low as 15% so as long as the property meets a minimum debt coverage ratio of at least 1.
A Debt Service Coverage Ratio (DSCR) loan allows real estate investors to qualify based primarily on the property’s rental income rather than personal income. These programs are popular among investors who own multiple properties, are self-employed, or prefer not to provide traditional income documentation.
Conventional investment loans require income verification through tax returns, W-2s, and pay stubs. This can become troublesome for many investors with complex income.
Meanwhile, DSCR loans focus on the property’s cash flow and rental income. Our DSCR loans do not require personal income or DTI to qualify.
The best option depends on your investment strategy, income structure, and long-term goals.
Yes. Many DSCR and Non-QM loan programs allow investors to purchase or refinance investment properties through an LLC or business entity. Program guidelines vary by lender and loan type.
With our DSCR, Non-QM or Fix and Flip programs, we do not have a maximum amount of properties.
Conventional financing on the other hand often limits the number of financed properties.
Yes. Andes Mortgage offers bank statement loan programs that allow eligible self-employed borrowers and investors to qualify using personal or business bank statements instead of traditional tax returns. These programs can be a great option for investors with strong cash flow but complex tax returns.
Absolutely! DSCR loans are specifically designed around property cash flow, while conventional financing may also allow rental income under certain guidelines.
The best loan depends on your financial situation and investment goals. Conventional loans may offer competitive rates for qualified borrowers, while DSCR, bank statement, and other Non-QM programs can provide more flexibility for self-employed borrowers and experienced real estate investors. Comparing multiple options with a mortgage broker can help determine the best fit.
Yes. Andes Mortgage offers fix-and-flip financing for real estate investors looking to purchase, renovate, and resell properties for profit.
Fix-and-flip loans are short-term financing solutions designed to help investors acquire properties that may need repairs or updates before being sold or refinanced. Depending on the project, financing may be available for both the purchase price and renovation costs.
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