Investment Mortgage Options
Helping buyers and investors secure mortgages for rental or income-producing properties.
King Mortgage Group, LLC provides clear guidance and responsible support for investment decisions.
Explain What an Investment Mortgage is
A loan for a property not used as the owner’s primary residence. Used for long-term rentals, short-term rentals, or multi-unit properties. Typically has higher interest rates and larger down payments than primary homes.
Help Set Realistic Expectations
Assist investors in understanding that down payments are often 15–25% or more, stronger credit and cash reserves are usually required, and monthly payments, taxes, insurance, and maintenance all matter—not just rent.
Walk Through Common Loan Options
Conventional investment loans, portfolio loans (kept by the lender), DSCR loans (based on rental income), and multi-unit financing (2–4 units). Keep explanations educational, not instructional.
Help Analyze the Property
Explain cash flow basics (rent vs. expenses), vacancy and maintenance costs, long-term vs. short-term rental considerations, and risk vs. reward.
Support the Application Process
Help organize documents (income, assets, property info), explain appraisals, inspections, and underwriting, and encourage comparing multiple lenders and loan terms.
Explain Risks Clearly
Discuss market changes, vacancies, repairs and unexpected costs, interest rate risk, and legal or tax responsibilities of being a landlord.
Connect to Trusted Resources
Mortgage professionals experienced in investment loans, real estate education programs, financial counselors, or housing nonprofits.