Updated July 15, 2026

Investor Loan Pricing, in Plain Terms

Investor loans price differently than owner-occupied mortgages. See how DSCR, non-QM, bridge, and interest-only structures are typically framed for non-owner-occupied property before you run your own numbers.

Request a Scenario Review Run Cash-Flow Numbers

Investor Pricing Scenarios

Investor loans price differently than owner-occupied mortgages. The scenarios below show how DSCR, non-QM, bridge, and interest-only structures are typically framed for non-owner-occupied property — so you can see the shape of the deal before you run your own numbers.

DSCR 30-Year (rental cash-flow qualified)

Built for buy-and-hold. Priced off the property's rent-to-debt coverage rather than your personal income. Pricing generally reflects the coverage ratio, loan-to-value, and reserves — stronger DSCR and lower leverage tend to price better.

Non-QM / Bank-Statement (self-employed investors)

For investors whose tax returns understate real income. Pricing reflects the documentation path (bank statements, assets, or adjusted returns), credit, and leverage — typically carrying a premium over agency owner-occupied pricing in exchange for flexible qualification.

Bridge (buy-before-sell / transition)

Short-term, equity-backed financing to move on the next property before the last one sells or refinances. Pricing reflects the short term, combined leverage across properties, and the strength of the exit plan.

Interest-Only Investor

Lower initial payment by covering interest during an opening period, useful for cash-flow management or a defined hold-and-refinance plan. Pricing reflects the interest-only term, leverage, and reserves.

Reference: Published Sample Program Rates

Owner-occupied program pricing shown for reference. Investor pricing is deal-specific — see the scenarios above and request a scenario review for your property.

30-Year Fixed

Popular
5.999%

6.150% APR

Sample rate · 30-year term

20-Year Fixed

5.999%

6.180% APR

Sample rate · 20-year term

15-Year Fixed

5.375%

5.596% APR

Sample rate · 15-year term

10-Year Fixed

5.375%

5.692% APR

Sample rate · 10-year term

High-Balance 30-Year

Higher loan amounts
5.999%

6.159% APR

Sample rate · 30-year term

FHA 30-Year

Low down payment
5.750%

6.517% APR

Sample rate · 30-year term

FHA 15-Year

5.750%

6.592% APR

Sample rate · 15-year term

VA 30-Year

Eligible veterans
5.625%

5.911% APR

Sample rate · 30-year term

VA 15-Year

5.625%

6.013% APR

Sample rate · 15-year term

Sample assumptions
  • Strong-credit sample borrower profile
  • Primary residence scenario
  • California owner-occupied examples
  • Sample APR shown for the same example profile

Investor pricing disclaimer

The scenarios shown are illustrative program structures for non-owner-occupied investment property — not quotes, loan estimates, rate locks, or commitments, and not a guarantee that any borrower or property will qualify. Investor pricing is highly deal-specific: your actual terms depend on the debt service coverage ratio, loan-to-value, credit profile, property type and condition, occupancy, state, documentation path, reserves, prepayment structure, and current market conditions. Investment-property programs generally price above comparable owner-occupied financing, and some carry prepayment terms. Figures are examples for illustration only; nothing here should be relied on as an offer of credit. Request a scenario review to see structure and terms for your specific property.

Reference-rate disclosures

  • • Rates shown are examples only and are not a loan estimate, rate lock, commitment to lend, or approval.
  • • Actual rate, APR, payment, and costs may vary based on credit profile, loan amount, property type, occupancy, location, loan program, down payment, and other factors.
  • • Rates are subject to change without notice.
  • • APR values shown are sample estimates for the stated example profile and may be higher or lower depending on loan terms and fees.
  • • Temporary payment reduction options lower payments for a limited period only; the note rate does not permanently decrease.
  • • Credits and offers are subject to eligibility, availability, program rules, and loan approval.