Real Estate Investor Loan

Real Estate Investor Loans are tailored for property investors, including first-time and LLC borrowers. They allow flexible debt-service ratios, competitive LTV options, and access for foreign nationals without traditional income documentation.

Why Choose a
Real Estate Investor Loan?

Real Estate Investor Loans provide versatile financing options for real estate professionals and first-time investors alike. With flexible qualification standards and support for a variety of ownership structures, they’re ideal for growing your property portfolio.

Key Features:
DSCR less than 1.00x allowed on purchase and rate/term refinance
Max loan amount up to $2.5 million
Up to 6% seller concessions allowed toward closing costs
Gift funds permitted for down payment, closing costs, and reserves
FICO scores down to 660 accepted
0–6 months ownership seasoning accepted based on appraised value
All Correspondent

Program Highlights

  • DSCR less than 1.00x allowed on purchase and rate and term refinance
  • Max loan amount up to $2.5 million
  • FICO down to 660
  • Up to 80% LTV on purchase, rate/term refinances, and cash-out up to 75%
  • Cash-out up to $500,000 and proceeds can be used for reserve requirements
  • SFR, PUD, townhomes, 2–4 units, condos, non-warrantable condos
  • 15-year fixed, 30-year fixed, 5/6 ARM
  • Gift funds can be used for down payment, closing costs, and reserves after borrower has documented the minimum required borrower contribution
  • First-time investors allowed up to 75% LTV
  • Up to 6% seller concessions allowed towards closing
  • Foreign nationals allowed
  • Borrowing in the name of an LLC is allowed for all borrowers including foreign nationals
  • 0–6 months ownership seasoning options allowed with the appraised value

Who Is Eligible?

You may qualify if:

  • You are a first-time or experienced property investor
  • You’re purchasing or refinancing in your name or through an LLC
  • You are a foreign national seeking investment in U.S. real estate
  • You need a non-traditional underwriting process, such as DSCR qualification
Single family home.
Two people shaking hands

Let's Build Your Investment Portfolio

Our lending specialists are ready to guide you through every step. Whether you’re expanding your real estate portfolio or just starting out, we’ll help you navigate the process and find the right solution.

Contact a First Reliance Mortgage Specialist today to get started.

Why First Reliance Bank?

We’re more than just your bank—we’re your business partner. With personalized service, local decision-making, and a genuine commitment to your success, First Reliance Bank is a trusted resource for business owners throughout our community.

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