Conventional Investment Loan Programs

Designed for investors who wish to purchase or refinance rental properties using standard full doc agency guidelines.
Conventional Investment Mortgage Loan Highlights
Expanding Your Real Estate Portfolio: Conventional Investment Mortgage Loans for Investors
Expanding Your Real Estate Portfolio: Conventional Investment Mortgage Loans for Investors
  • Property Type: Conventional investment loans can be used for the purchase or refinancing of single-family homes, multi-unit properties, and small commercial properties.
  • Loan Amount: Conventional investment loans can offer loan amounts up to $726,200 as the base for a 1 unit property in a standard area for 2024. Multiple units or high cost areas increase the conventional loan amount limits offered by Fannie Mae and Freddie Mac.
  • Down Payment: Conventional investment loans typically require a down payment, which could be as low as 15% for qualified borrowers. Borrowers who put less than 20% down will require Private Mortgage Insurance.
  • Credit Score: Conventional investment loans typically require a credit score of 620 or higher, although some lenders may have higher requirements.
  • Fixed or Adjustable Rate Options: Conventional investment loans offer both fixed and adjustable rate options, allowing borrowers to choose the best option for their financial situation and goals.
  • Loan Terms: Conventional investment loans are typically available with 15- or 30-year terms, although other options may be available.
  • 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 Real Estate Investors we have a variety of commercial lenders to choose from with dozens of products including Non-QM Mortgage Programs Such as Bank Statement LoansDSCR LoansForeign National LoansHard Money Loans and many other types of loans. View our LIVE Mortgage Rates for DSCR Loans anytime!

Specialty Investor Loan Types Available:

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

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About The Mortgage Calculator
The Mortgage Calculator

The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! 

Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes!

Our team of over 400 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income Documentation such as Bank Statement Mortgages, P&L Mortgages, Asset Based Mortgage Programs, No Ratio CDFI Loan Programs, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages and thousands more!

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