Can you help before I am in contract?

Yes — that is the best time. We can model cash to close and carrying cost so your offer reflects the financing you actually intend to use.

Do you finance out-of-state purchases?

Financing options are available across 30+ states, subject to program and property eligibility. Tell us the state and property type and we will confirm what may be available.

Rental & Portfolio

Investment Property Purchase Financing

Purchase financing for non-owner-occupied residential investment property, structured around the property and your plan for it.

Discuss My Scenario Model the purchase in the DSCR & Rental Analyzer

Program parameters are confirmed for your scenario. Nothing here is an approval or commitment to lend.

A purchase is easier to evaluate when the financing is mapped out before the offer, not after. We look at the property, the rent it can support, the cash you plan to commit, and how long you intend to hold it.

This is financing for investment property you will not occupy. Because the property carries the economics, the conversation starts with rent, taxes, insurance, association dues, condition, and unit mix rather than with a single rate.

We can model a few structures side by side so you can see what a purchase actually requires to close and what it costs to carry.

Who may find it useful

First-time and repeat rental property buyers
Investors purchasing in a new state or market
Buyers comparing a rental purchase against other uses of capital
Owners adding to an existing portfolio

Typical financing goals

Close a purchase with a clear picture of cash to close
Buy a rental that carries itself from day one
Coordinate acquisition timing with a 1031 exchange or a sale

Key considerations

Investment property is underwritten on the property, the rent, and the exit rather than on a household budget
Appraisal, title, and insurance timing can drive the closing calendar
Reserves are commonly required in addition to down payment and closing costs
A pre-offer scenario is an estimate, not a commitment to lend

Information to gather

Property address and asking price
Estimated rent and current occupancy
Down payment and reserve capacity
Target closing date and any contingency deadlines

Frequently asked

At a glance

Structure the acquisition before you write the offer

CategoryRental & Portfolio

Property useInvestment property

Coverage30+ states, subject to program availability

Best next stepModel it, then talk to us

Program parameters—maximum leverage, minimum credit, reserve requirements, loan limits, and documentation rules—vary by lender and are confirmed by our team for your specific scenario.

Discuss My Scenario

Relevant calculator

DSCR Calculator

Rent versus payment — will it cover itself?

Open the calculator

We do not publish rates, maximum leverage, minimum credit scores, or closing timelines for this program. Those depend on the lender, the property, and the file.

Investment property disclosure

The financing described here is for investment property. It is business-purpose financing, not a consumer-purpose or owner-occupied residential loan.

Investment property financing is underwritten on the property, the plan, and the exit. Rent treatment, reserves, credit standards, and collateral requirements are set by the lender and confirmed for your scenario.

SageFin Capital is a commercial finance brokerage. Financing is subject to lender approval, underwriting, collateral requirements and program availability. Not a commitment to lend.

Thinking about investment property purchase?

Share the property and your goal. We will confirm what may be available and what the file would need.

Submit a scenario Model the purchase in the DSCR & Rental Analyzer

Illustrative tools and scenario review only. Not a rate quote, pre-approval, or commitment to lend.