Investment Property Loan

An Investment Property Loan allows borrowers to purchase real estate to generate income through rental income or appreciation.

Key Features

Minimum 15% down

Qualify with employment history, credit score and DTI

Purchase real estate as income source

Build your future today.

If you are looking to buy a single-family home, townhome, condo, or multi-unit property as a means of income, an Investment Property Loan from NASB could be a great option. We look at your employment history, credit score and debt-to-income ratio to determine eligibility. And you are looking to purchase an investment property without requiring proof of personal income through tax returns or pay stubs, you may want to consider a Debt Service Coverage Ratio or DSCR loan



Minimum loan amount of $175,000 required to apply. Exceptions include mortgage products for properties located within the Greater Kansas City metro and surrounding areas. Contact a NASB Loan Officer for details on the excluded areas and/or zip codes.



Investment Property Loan FAQs

An investment property loan allows you to purchase real estate to rent out for additional income or flip for a profit. They generally have higher interest rates and stricter lending requirements than standard mortgages.

The main qualifying factors for securing an investment property loan are:

  • Employment history: You must show proof of verified employment for a minimum of two years.
  • Credit score: Your credit score will determine your down payment, rate, and ability to be approved. Most lenders require a minimum credit score of 620 to qualify, and a credit score of 720 or higher will get you the best rates.
  • Debt to Income ratio (DTI): Your DTI is determined by dividing your gross monthly income by your total monthly debts. A DTI of 36% or less is ideal; anything above 50% may prevent you from qualifying.
  • Down payment: You should be prepared to put down 20%-25% of the purchase price for an investment property loan. 
Depending on your credit, a down payment of at least 20% is required for an investment property loan.
An investment property is a real estate purchase made to generate income through rental income or appreciation and is not the investor's primary residence.

The three types of investment properties are:

  • Residential: The most common form of investment property, these properties are purchased to rent out to tenants and earn monthly rentals. These can include single-family homes, apartments, condominiums, or townhomes.
  • Commercial: These are properties purchased for business purposes, such as office space, retail stores, restaurants, etc. The investor may purchase an already existing property or develop from the ground up.
  • Mixed-use: These properties can be used simultaneously for residential and commercial purposes. For instance, the ground level may be used for retail shops and the upper floors for residential units.

A minimum loan amount of $175,000 is required to apply. Exceptions include mortgage products for properties located within the Greater Kansas City metro and surrounding areas. Contact a NASB Loan Officer for details on the excluded areas and/or zip codes.




Video - How to Get a Loan for an Investment Property


Learn how to get an Investment Property Loan and the different types of loans available, including DSCR Loans, Non-Warrantable Condo Loans, Jumbo Loans, and Portfolio Loans.


Investment Property Loan Featured Blogs


What Our Customers Say
Joshua S., April 28, 2021
★★★★★ (5)

"Everyone at NASB was great to work with! They made a complicated process simple and easy to understand."

$31 Billion in home loans

In the last decade based on lender data

103,000 home loan customers since 2010

Based on lender data

90 Net Promoter Score

Based on closed loan customer surveys from 6/1/2022 to 5/30/2023

*According to Bain and Company, the source of the Net Promotor Score (‘NPS’) system, a score of 50 is excellent, and anything above 80 is world-class.