Residential Investment Loans
Financing for rental and residential investment properties to support portfolio growth and cash-flow planning.
Safer-first recommendations
Deal protection built-in
Partner-ready packets
Best for
SMBs needing capital aligned to a clear purpose and repayment capacity.
Benefits
- Supports rental acquisitions and portfolio strategies
- Can align terms to investment timelines
- May provide options for cash-out or refinance strategies
- Useful for building longer-term cash-flow stability
How it works
- Define investment strategy (rental, BRRRR, portfolio)
- Estimate DSCR and cash-on-cash return with conservative assumptions
- Review reserves requirements and vacancy buffers
- Choose terms aligned to hold timeline
Risk flags / when to avoid
- Vacancy and maintenance can reduce cash flow
- Rates and leverage can shift affordability
- Don’t under-budget repairs and reserves
FAQ
Is this for owner-occupied homes?
Typically investment-focused; partner terms vary.
Do I need reserves?
Often yes; requirements vary.
Can I finance multiple properties?
Possible with portfolio structures; partner-dependent.
How fast is closing?
Varies; investment loans can take time.
Any guarantees?
No. Terms vary.
Ready to review options?
Request a review and we’ll respond with next steps and a partner-ready packet.
Disclosures
- Not a lender: Financial Catapult is not a bank or lender.
- Third-party offers: Funding and processing options may be offered by third-party partners. Terms vary.
- No guarantees: Eligibility, terms, and approvals are not guaranteed.
- Not advice: Content is for informational purposes and is not financial or legal advice.
- Privacy: Information submitted is used to respond to your request and improve our service.