Real Estate Investor Loans by State

Investment-property loans underwritten on the property's cash flow rather than the borrower's personal income. The workhorse loan for rental portfolio building.

Short-term, asset-based real-estate financing for time-sensitive acquisitions and rehab projects. Expensive but forgiving on borrower qualification.

Standard Fannie Mae / Freddie Mac investment-property mortgages. Cheapest cost of capital but capped at 10 financed properties and gated by personal income.

Government-insured residential loans designed for primary residence buyers — but the assumable feature creates a real opportunity for investors taking over locked-in low-rate FHA mortgages.