Conventional Investment Loans
Expand Your Real Estate Portfolio
Designed for investors who wish to purchase or refinance rental properties using standard full-doc agency guidelines.
How Conventional Investment Loans Work
Full Documentation
Qualify using standard income and asset verification, like tax returns, W-2s, and bank statements.
Agency Guidelines
Follows the established and reliable guidelines set by Fannie Mae and Freddie Mac for investment properties.
Purchase or Refinance
Use this loan to buy new rental properties or to refinance existing ones, including cash-out options.
Loan Parameters At-a-Glance
Conventional Investment Mortgage Loan Highlights
- Property Type: Conventional investment loans can be used for the purchase or refinancing of single-family homes, multi-unit properties (2-4 units), and condos.
- Loan Amount: These loans follow the conforming loan limits set by the FHFA. For 2025, the baseline limit for a 1-unit investment property is **$806,500**, with higher limits for multi-unit properties and in high-cost areas.
- Down Payment: Conventional investment loans typically require a down payment of at least 15-20% for qualified borrowers.
- Credit Score: A credit score of 620 or higher is generally required, although some lenders may have higher minimums for investment properties.
- Underwriting Requirements: Conventional investment loans require a thorough underwriting process, which considers the borrower's credit score, income, assets, and debt-to-income ratio.
For investors seeking alternative documentation, we offer a variety of Non-QM mortgage programs like DSCR Loans, Bank Statement Loans, and Hard Money Loans.
Conventional Investment Loan Program Terms:
- Up to 85% LTV Purchase with PMI
- Up to 75% LTV Cash Out Refinance
- 620 Min FICO
- $75,000 Min Loan Amount
- Up to $726,200 Loan Amount 1 Unit
- 1-4 Units, Condos, PUDS & Manufactured Homes Eligible
- Up to 50% DTI
Get an Instant Mortgage Rate Quote from The Mortgage Calculator
Get Your Quick Quote
Real-time mortgage pricing across conventional, FHA/VA, DSCR, bank statement, non-QM and more. Compare options and move to a full application when ready.
Programs We Price
Conventional, FHA, VA, USDA, jumbo, investor DSCR, bank statement, asset depletion, non-QM, HELOCs and more.
How Quotes Work
We use your scenario (location, credit band, property/occupancy, LTV) to match eligible programs and display live-like rates.
Next Steps
Lock a rate or continue to the full 1003. Your MLO team helps optimize terms and documentation for a smooth closing.
Loan Programs Available: FHA Mortgage Calculator, Conventional Mortgage Calculator, VA Mortgage Calculator, USDA Mortgage Calculator, Non-QM Mortgage Calculator, DSCR Mortgage Calculator, Fix & Flip Mortgage Calculator, Construction Mortgage Calculator, JUMBO Mortgage Calculator
Frequently Asked Questions for Conventional Mortgage Loans
About The Mortgage Calculator
The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) specializing in using technology to provide access to Conventional, FHA, VA, and USDA Programs, as well as thousands of Non-QM mortgage loan variations.
Our team of over 450 licensed Loan Originators can assist with Bank Statement Mortgages, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages, and thousands more!