Looking to grow your real estate portfolio? Whether you’re buying your first rental or expanding your investments, Kristy Gannon at Ownity Mortgage offers flexible Investment Property Financing solutions across California. With over 20 years of mortgage experience, Kristy helps investors secure smart financing strategies tailored to their goals.
Investment Property Financing is designed for individuals purchasing residential properties they don’t plan to occupy—such as single-family homes, condos, or small multi-units intended for rental income or long-term growth. These loan options often have different requirements than primary residence loans, but they offer the opportunity to build wealth through real estate. Kristy Gannon works with investors throughout California to structure competitive, scalable financing options for short- and long-term investments.
Real estate investors, new landlords, and those building passive income streams can benefit from investment property financing. Whether you’re purchasing your first duplex or adding to an established portfolio, these loans provide the leverage needed to grow your real estate business. If you’re looking to generate monthly rental income, flip properties, or build long-term equity, Kristy Gannon will help you find the loan structure that aligns with your goals and risk tolerance.
Unlike loans for a primary residence, investment property loans often come with higher credit score requirements, larger down payments, and slightly higher interest rates. Lenders want to ensure the property can generate sufficient income or that you have the financial stability to cover the mortgage in all market conditions. Kristy Gannon will guide you through the approval process, help evaluate your income potential, and match you with a lender who understands real estate investment.
There are many financing options depending on the type of investment. You might qualify for a conventional investment loan, a DSCR (Debt Service Coverage Ratio) loan based on rental income, or a bank statement loan if you’re self-employed. Some options allow you to use projected rental income to qualify, while others focus on your full financial profile. Kristy Gannon will help compare programs and structure financing that supports your cash flow and long-term real estate strategy.
Investment Property Financing gives you the ability to acquire rental properties and build equity while generating monthly income. With the right loan structure, you can scale your portfolio faster, take advantage of market opportunities, and grow your financial independence through real estate. Kristy Gannon brings decades of experience to help you avoid common pitfalls and make decisions that balance risk and reward effectively.
If you’re ready to take the next step in real estate investing, investment property loans can help you leverage your savings and credit to acquire income-producing properties. Whether you’re looking to purchase your first rental or refinance an existing one for better terms, Kristy Gannon will take the time to understand your goals and help you determine the smartest path forward.
Kristy Gannon has over 20 years of experience helping California clients make smart moves in real estate. She understands how to structure investment property financing that aligns with your cash flow, credit profile, and long-term plans. At Ownity Mortgage, Kristy brings clarity, experience, and a commitment to helping investors succeed at every stage of their journey—from first-time buyers to seasoned landlords.
From rental income to long-term equity, real estate is a powerful tool. Kristy Gannon is here to help you finance your next investment with clarity and strategy.
An investment property loan is a mortgage used to purchase rental properties, multi-unit buildings, vacation homes, or fix-and-flip properties. Unlike primary home loans, investment property loans require higher down payments, stricter credit requirements, and verification of rental income potential.
Most lenders prefer a credit score of 680 or higher, though requirements vary. Kristy will assess your profile and help you find lenders with flexible investor programs.
Investment property loans typically require a minimum of 15% to 25% down, depending on the property type and loan structure. Kristy will help structure the down payment to match your investment strategy.
Yes, many lenders allow current or projected rental income to be used in your debt-to-income calculation. Kristy can help you prepare documentation or secure a DSCR loan based on the property’s income potential.
Investment property loans typically require higher credit scores, larger down payments, and higher interest rates compared to loans for primary residences. Lenders assess property cash flow, rental potential, and borrower financial stability before approval.
Investment property loans can be used for single-family rentals, multi-family properties (duplexes, triplexes, and fourplexes), short-term vacation rentals, and commercial real estate. Some programs also finance fix-and-flip projects for investors looking to renovate and resell properties.
Yes! Many lenders offer investment loans for short-term rental properties, including Airbnb and VRBO homes. Lenders assess the property’s rental income potential and may allow debt-service coverage ratio (DSCR) loans, which use rental income to qualify instead of personal income.
Most investment property loans require a minimum credit score of 640 to 700, but higher scores often lead to better interest rates and lower down payment requirements.
Down payments for investment property loans typically range from 15% to 25%, depending on the loan type, credit score, and financial profile. Some portfolio lenders and non-QM loan programs offer lower down payment options for experienced investors.
Yes! Many lenders allow borrowers to use projected or current rental income to help qualify. DSCR loans, for example, use the property’s rental income potential instead of personal income, making it easier for investors to secure financing.
Investment property loans generally have higher interest rates than primary home mortgages because lenders view them as higher-risk loans. However, borrowers with strong credit, solid financial reserves, and a larger down payment may qualify for competitive rates.
Debt-Service Coverage Ratio (DSCR) loans qualify borrowers based on rental income rather than personal income. Lenders calculate the property’s cash flow versus loan payments, making it a great option for investors who want to qualify without W-2 income or tax returns.
First-time investors may benefit from conventional investment loans or FHA multi-unit financing, which allows owner-occupied properties with just 3.5% down. Other options include DSCR loans or non-QM mortgages, depending on income structure and investment strategy.
Most investment property loans require at least a 15% down payment, but some private lenders and portfolio loans may allow low or no down payment options for experienced investors. Hard money lenders also offer financing with lower cash requirements but higher interest rates.
Lenders typically allow investors to finance up to 10 properties using conventional loans, while portfolio lenders and non-QM lenders offer unlimited investment property financing for experienced borrowers.
If you don’t meet standard loan requirements, consider alternative options such as:
The Turnkey Foundation Inc. DBA Ownity Mortgage | NMLS# 236669 | NMLS# 2592455| DRE# 01845041 | All rights reserved.
7606 Meany Ave. Suite 103 Bakersfield, California 93308
DRE #01771805
NMLS #245918
Arbor NMLS #236669
Arbor DRE #01845041
