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investor loans
Invest Like You Mean It
You’ve worked hard to create opportunities. Now it’s time to grow them. Our investor loan programs help you turn properties into income, equity, and long-term freedom, one confident move at a time.
What Are Investor Loans?
Investor loans are designed for people building wealth through real estate. Whether you’re buying your first rental or expanding your portfolio, these programs offer flexible terms, competitive rates, and fast approvals for every investment strategy.
We make financing simple, so you can focus on what matters most — growing your returns and building your future.
We make financing simple, so you can focus on what matters most — growing your returns and building your future.
how it works
Step 1
Define Your Investment Goal
Buying, refinancing, or expanding, we’ll find the right program.
Step 2
Apply Online
Submit a quick, secure application.
Step 3
Review Property Income
We’ll calculate rental performance and cash flow.
Step 4
Compare Options
See rates and terms tailored to your goals.
Who Qualifies?
You may qualify if you
- Are purchasing or refinancing an investment property
- Have strong credit and verifiable assets
- Plan to use rental income or property performance to qualify
- Own one or more existing investment properties
Our experts help tailor loan solutions for your specific investment goals.
How Eligibility Is Confirmed
- Eligibility is confirmed through a review of your credit, assets, and property performance.
- Lenders assess your credit strength, verify funds for down payment or reserves, and evaluate rental income or the property’s Debt Service Coverage Ratio (DSCR) to ensure it generates enough income to cover the loan.
GET A SAME DAY APPROVAL
Waiting days to hear back isn’t our style. With New Era, you’ll know exactly what you can afford in under half an hour.
Get Approved
Types of Investor Loans We Offer
Pick your path and we’ll guide you every step of the way
Explore Loan Types
Conventional Investment Loan
Great for credit-strong investors buying or refinancing rentals.
Investment Property Loan
For growing portfolios or multi-unit properties.
VA Investment Loan
Veterans can leverage benefits for multi-unit or rental properties.
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DSCR Loan (Debt Service Coverage Ratio)
Qualify based on rental income instead of personal income.
Why Investors Choose New Era
Smart financing that helps you scale faster and invest with confidence.
- Flexible Programs: From conventional to DSCR, we have the right fit.
- Fast Qualification: Rental income can count toward approval.
- Competitive Rates: Designed to maximize your cash flow.
- Multiple Property Financing: Expand your portfolio with ease.
- Expert Support: A team that understands real estate investors.
Investor Stories
Hear How We Are Changing Lives from Our Clients Themselves
“We bought our first rental with a DSCR loan. It was easy to qualify using rental income alone.”
Ryan & Zoe C.
“The New Era team helped us refinance two properties and free up cash for another investment.”
Daniel S.
“As a veteran, I used a VA investment loan to buy a duplex. Now one side covers my mortgage.”
Sgt. Alex R.
Faqs
Can I use rental income to qualify?
Yes. DSCR loans let you qualify based on your property’s income, not your personal income.
How many properties can I finance?
You can finance multiple, depending on your credit and overall portfolio.
Can veterans use VA loans for investment properties?
Yes. Eligible borrowers can purchase multi-unit homes if they live in one of the units.
Do investor loans have higher rates?
Rates can be slightly higher than owner-occupied loans, but your rental income often offsets the difference.
Ready to Start Building Wealth?
Let’s grow your portfolio with the right loan, the right team, and the right strategy.
Get a Quote