You Deserve the Latest Low Rates
Get competitive rates tailored to your investment profile. We price each deal individually — because you're not the average home buyer, and your rate should reflect that.
Investment property rates are driven by the secondary market, treasury yields, and lender-specific capital requirements. These inputs shift daily, sometimes intraday. A rate posted on Monday morning could be 25 basis points higher by Wednesday afternoon. If you're making a six-figure financing decision based on a number that's already stale, you're starting at a disadvantage.
Our solution is, we give live quotes to get you the best rates. When you submit an application, our capital markets team prices your loan against real-time lender rate sheets from our network of institutional partners. That means you're getting a competitive rate for your specific loan profile at the moment it matters — not a marketing number designed to get you in the door.
The Bottom Line on Rates
We compete on execution, not bait-and-switch rate advertising. Your quoted rate is the rate you close at — period. No last-minute repricing, no hidden margin adjustments. That's a commitment we've kept since day one.
Rates are for informational purposes only and subject to change without notice. All loans subject to credit approval and underwriting. Actual rates vary based on borrower qualifications, property type, LTV, and loan terms.
Rate Lock Protection
Lock your rate during underwriting so market volatility doesn't cost you basis points between approval and closing.
No Hidden Fees
Every cost is disclosed upfront in your quote. Origination, points, third-party fees — you see the full picture before you commit.
Multi-Lender Pricing
We price your loan across Multiple Capital Partners simultaneously, so you benefit from competition — not a single lender's margin.
24-Hour Rate Quotes
Submit your application and get an indicative rate within one business day. No weeks of back-and-forth — just fast, honest pricing.
What Drives Investment Property Loan Rates?
Understanding what moves rates helps you time your application and structure your loan for the best pricing. Investment property rates are influenced by a different set of factors than primary residence mortgages.
Rate Factor Breakdown — What Determines Your Rate
Factors you control are shown in blue/teal. Market conditions (gray) affect the base rate but are outside your control.
Notice that six of the seven rate drivers are within your control. Market conditions set the baseline, but your loan structure determines how far above or below the baseline your rate falls. That's where our team adds value — we help you position each factor to qualify for the best tier available.
How Can You Qualify for the Lowest Available Rate?
Every basis point matters on an investment property loan. On a $500,000 loan, a 50-basis-point rate reduction saves you roughly $2,500 per year — that's $75,000 over a 30-year term. Here's exactly what moves the needle.
Rate Optimization Strategies — From Good to Best Pricing
Lower Your Loan-to-Value Ratio
The single biggest rate lever. Borrowers at 65% LTV or below consistently get the best-available pricing. If you're at 75% LTV, consider putting an extra 5-10% down to drop into the next rate tier. The monthly savings often exceed the additional equity outlay within 2-3 years.
Strengthen Your Credit Profile
720+ FICO opens the door to the best rate tiers. If you're between 680-720, even a 20-point bump can move you into a better pricing band. Pay down revolving balances below 30% utilization and dispute any errors before applying. We finance borrowers down to 650, but the rate improves meaningfully at each tier: 680, 700, 720, 740+.
Maximize Your DSCR
A DSCR of 1.25 or higher tells the lender the property generates enough income to comfortably cover the debt. Stronger DSCR means lower risk, and lower risk means better pricing. If your property is close to 1.0, consider whether a rent increase, reduced vacancy, or larger down payment can push the ratio higher.
Choose the Right Fixed-Rate Term
Shorter fixed-rate periods (5-year) carry lower rates than longer terms (30-year). If you're planning to hold for 5-7 years and refinance, a shorter fixed period saves you money every month. If you want certainty for the full hold, a 30-year fixed rate locks in your cost of capital permanently.
Increase Your Loan Amount
Loans above $250,000 generally qualify for better pricing because fixed origination costs are spread across a larger balance. If you're financing multiple properties, a blanket loan that bundles them into a single larger loan can unlock better per-property rates than financing each one individually.
How LTV Affects Your Rate Tier
Each LTV step typically represents a 15-30 basis point change in pricing. Dropping from 75% to 65% LTV could save you 30-60 bps.
Ready to See What Rate You Qualify For?
Submit a quick application and our team will price your loan against real-time lender rate sheets. You'll have an indicative quote within 24 hours — no obligation, no credit pull until you're ready.
Which Loan Programs Offer the Best Rates?
Not all investment property loans are priced the same. The rate you receive depends partly on which program fits your situation. Here's how our loan programs compare on rate competitiveness.
| Loan Program | Rate Tier | ||
|---|---|---|---|
| 5/10-Year Fixed Rate | Lowest | Medium-term holds | Up to 75% |
| Blanket Loan (Portfolio) | Low | 2+ properties | Up to 75% |
| 30-Year Fixed DSCR | Competitive | Long-term buy & hold | Up to 75% |
| Single Family Loan | Competitive | SFR investors | Up to 80% |
| Short-Term Rental (Airbnb) | Competitive | Airbnb / VRBO | Up to 75% |
| No-Ratio DSCR | Standard | No income verification | Up to 80% |
| Stated Income | Standard | Self-employed borrowers | Up to 80% |
Explore Our Investment Loan Programs
Find the right loan for your investment strategy
The general rule: the more documentation and equity you bring, the better the rate. A fully-documented loan at 65% LTV with a 1.25 DSCR will always price better than a no-doc loan at 75% LTV. But that doesn't mean stated-income or no-ratio loans are expensive — they're priced for the risk they carry, and for many investors, the flexibility is worth a modest rate premium.
From your first rental to your hundredth — we price every loan like it matters, because it does.
Recent Transactions
See real loan closings with property types, loan amounts, and locations. Proof that we deliver for investors nationwide.
View Closings →Cash Flow Calculator
Model your rental income, expenses, and projected cash flow before you apply. Know your numbers, know your rate tier.
Run Numbers →How Does Credit Score Affect Investment Property Rates?
Your FICO score is one of the most impactful rate factors you can improve before applying. Here's roughly how lenders tier pricing by credit score for investment property loans.
Credit Score Rate Tiers — Investment Property Loans
Each tier step typically represents a 15-25 basis point rate adjustment. A borrower at 740+ may pay 50-75 bps less than a borrower at 680.
If your score is between 680 and 720, it's often worth spending 30-60 days on targeted credit improvement before applying. Pay revolving balances below 30% utilization, dispute reporting errors, and avoid opening new accounts. A 30-point bump from 690 to 720 can save you thousands over the life of the loan.
What Happened to the SWAP Index?
If you've worked with commercial lenders before, you may have encountered the 5 and 10-Year SWAP Index — a benchmark tied to Commercial Mortgage Backed Securities (CMBS). For years, some lenders (including us) used SWAP-indexed rates to price investment property loans.
We stopped. Here's why: SWAP-indexed loans expose borrowers to unpredictable rate volatility, expensive prepayment penalties through yield maintenance or defeasance, and complex DSC underwriting formulas that can change your effective rate long after closing. The SWAP Index benefits lenders who want to hedge their portfolios -- but it doesn't benefit borrowers who want predictable, stable financing. All of our programs now use step-down prepayment penalties instead.
Today, we originate through lending partners who use fixed-rate structures priced off treasury benchmarks and investor demand rather than SWAP derivatives. The result: simpler terms, transparent pricing, and no surprises when you want to refinance or sell.
Free Resources for Rental Property Investors
Your Rate Reduction Checklist
- Target 65% LTV or lower for best-tier pricing
- Get your FICO above 720 before applying
- Ensure your property DSCR is 1.25 or higher
- Choose the shortest fixed-rate term that fits your hold strategy
- Bundle multiple properties into a blanket loan for volume pricing
- Pay down credit card balances below 30% utilization
- Apply when you're ready to move — rate locks have expiration windows
Get Your Personalized Rate Quote
Stop comparing stale rate sheets. Tell us about your property and loan needs, and we'll come back with the actual best rate available for your profile — priced against live lender rate sheets, delivered within 24 hours.
Disclaimer: Rates, terms, and conditions are subject to change without notice. The information on this page is provided for general informational purposes only and does not constitute a commitment to lend, a loan offer, or a guarantee of any specific rate or term. Actual rates, fees, and loan terms depend on the borrower's creditworthiness, property type, loan-to-value ratio, DSCR, and other underwriting factors. All loans are subject to credit approval. This is not a mortgage commitment or pre-approval.
Rental Home Financing is a subsidiary of Direct Money Lenders Inc. NMLS #144773. Equal Housing Lender.