Purchase financing for single-family rentals, small multifamily, and other non-owner-occupied properties — with options based on either your personal income or the property's own cash flow.
An investment property loan finances a home you intend to rent out or hold for appreciation rather than live in yourself. Because the property isn't your primary residence, lenders evaluate it differently than an owner-occupied purchase — typically with a larger down payment and closer attention to reserves — but the financing itself works the same way a conventional purchase loan does: a fixed monthly payment amortizing over the loan term.
Saffron Premier Mortgage offers conventional investment property financing, underwritten against your personal income and debt-to-income ratio like a standard purchase loan. It's available for single-family rentals, small multifamily, and other non-owner-occupied properties across Washington, Pennsylvania, Florida, and Texas.
Conventional investment financing supports buying multiple rental properties over time, each underwritten against your income and existing debt obligations.
Finance single-family rentals, duplexes, triplexes, fourplexes, and warrantable condos held as investment property.
In competitive investment markets, a lender that can close in under 10 days is a real advantage when negotiating with a motivated seller.
You work with the same loan officer from application through closing — not a rotating call center — someone who understands investor timelines and 1031 exchange deadlines.
Every dollar you don't spend on unnecessary lender fees is a dollar that stays in your investment's return.
| Requirement | General Guideline | Notes |
|---|---|---|
| Occupancy | Non-owner-occupied investment property | Second homes and owner-occupied purchases are evaluated separately |
| Property Types | 1–4 unit residential, warrantable condos, PUDs | Larger multifamily (5+ units) is evaluated as commercial financing |
| Down Payment / Equity | Generally 15%–25%, program and property dependent | General guideline only — subject to underwriting and program |
| Reserves | Cash reserves are commonly required post-closing | Amount depends on program, property count, and loan type |
| Qualifying Basis | Personal income and debt-to-income ratio | Standard conventional underwriting guidelines apply |
| Loan Limits | Conventional financing follows FHFA conforming loan limits | See the FHFA reference below for current county-level limits |
A loan officer can review your income, existing debt, and target property to confirm what you qualify for and answer any questions on the same call — no guesswork required.
Every loan we originate runs through a low-cost structure: no unnecessary lender fees, meaningful closing-cost savings, and closings in as few as 10 days — backed by competitive, industry-leading pricing and a dedicated loan officer instead of a call center.
We believe an informed borrower makes a better decision. These are independent, high-trust sources — not Saffron Premier Mortgage marketing — where you can read more or independently verify our license.
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