Finance the Property That Pays You Back.
Financing for rental and investment properties. Qualify using the property’s rental income or standard documentation, on eligible one to four unit properties.*
One loan. Flexible ways to buy.
However you earn, there’s likely a path to approval.
- One to four unit rental properties
- Two qualifying routes, agency or rental income
- First-time and repeat buyers welcome
- Purchase or refinance primary, second, and investment homes*
- Purchase, rate-and-term refinance, and cash-out available
- Qualify on the rent the property produces, with no personal income documentation on that route*
Loans from eligible amounts up to conforming loan limits*
Buy, refinance, or take cash out
Primary, second home, or investment property
One to four unit rental properties
Rental income qualifying, or standard documentation
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton Investment Property Loan?
Two ways to qualify: standard documentation, or the income the property produces
The Saxton Investment Property Loan offers two separate routes. The agency route follows standard agency guidelines and full income documentation. The rental income route qualifies on the rent the property produces and is a portfolio program, not agency financing, built for buyers who are financing a property that produces rent.
Qualify with standard documentation: income, assets, and credit reviewed the usual way.
Use it to purchase a home, refinance your current mortgage, or take cash out of your equity, on a primary residence, second home, or investment property, with agency loan amounts up to conforming limits, jumbo options above those limits, and rental income financing from $100,000 to $3 Million.*
Why choose the Saxton Investment Property Loan?
Built for investors who want the property to carry itself.
First Time Investors
Buy your first rental property without an ownership track record behind you.
Real Estate Investors
Finance investment properties, including 2–4 units and eligible condominiums.
Growing A Portfolio
Refinance one property to help fund the next one.
Cash-Out Refinance
Tap your equity to reinvest, consolidate, or fund your next move on eligible properties.*
No Personal Income Docs
On the rental income route, personal income documentation is generally not required.
Two To Four Units
Small multi-unit properties are eligible, not only single-family rentals.
Hear From Homeowners Like You
Frequently Asked Questions
The questions we get asked most about the Investment Property Loan.
Loan limits follow the annual conforming limits set by county, and jumbo options are available above those limits.
Not always. Some programs qualify using the property’s rental income instead of personal income documentation.
Eligible one to four unit residential properties, including eligible condominiums.
Credit requirements vary by program, occupancy, and documentation type, and are confirmed during underwriting.
Investment property requires a larger equity stake than an owner-occupied purchase. Requirements vary by credit score, property type, and which qualifying route you use.
Yes. Fixed-rate and adjustable-rate (ARM) options are available on eligible programs.
Yes. Cash-out refinancing is available on eligible investment properties.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton Investment Property Loan program that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Loan limits follow the annual conforming limits set by county. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Prepayment penalties may apply on certain investment property programs where permitted by law, and a personal guaranty may be required. Prepayment penalties may apply on certain investment property programs where permitted by law, and a personal guaranty may be required. Saxton Mortgage, LLC is an Equal Housing Lender.