Investor Cash Flow Mortgage Loan Rates

Investor Cash Flow Mortgage Loans

An investor cash flow mortgage loan lets real estate investor clients qualify for a mortgage based on property cash flow. This is a great alternative to conventional home loans, since there’s no personal income required to qualify. It also saves time from having to deal with complicated paperwork and tax returns.

Investor cash flow loans can be for as little as $75,000 all the way up to $2.5 million. Investor cash flow loans look specifically at the cash flow of your existing property (or properties) and you aren’t required to disclose your employment or income from other sources.

What are the Requirements to Participate in the Investor Cash Flow Program?

You’ll need to meet a minimum credit score of 680 and be able to make a 20% down payment. Mortgage rates can be as low as 4%, and residential properties qualify as long as they house up to four units. There’s no limit on the number of properties you can finance with this type of loan.

Plus, just like with conventional loans, you have several options available. For example, there are interest only loan options, as well as a 30 year fixed option available.

Investor Cash Flow Loan Features:

  • No personal income used to qualify
  • Qualification based on property cash flow only
  • Employment and Income are not required to be disclosed on the 1003
  • Credit score as low as 680
  • Rates starting in the 4%
  • 20% minimum down payment
  • Residential properties up to 4 units
  • No limit on number of properties financed
  • Loans up to $2.5 million
  • Interest Only Loan Options
  • 30-year fixed option available


  • Show investor/owner experience for min 6 month
  • 3 month reserves

Why an Investor Cash Flow Mortgage is a Great Option for Real Estate Investors

If you invest in real estate, an investor cash flow mortgage can be an excellent option to help you to continue to finance properties without needing to show your specific income from your job or other sources, but instead rely on the cash flow from your properties. This is particularly beneficial in the state of California where the real estate market is hot and ultra competitive.

Having access to this kind of financing can help you get approved faster as well as get you approved for more money than going through the long and tedious steps of a conventional mortgage.

However, it’s worth noting that you’ll need to demonstrate that you’ve been involved in the real estate investing industry or you have experience owning and managing multiple properties for at least six months.

In addition, you’ll need to have three months’ worth of reserves in order to qualify.

Learn More About This Exciting Mortgage Program!

It’s an exciting time to be a real estate investor. If you’re interested in learning more about the investor cash flow mortgage or how you may be able to use it to get a great deal for your own home loan, or to finance other properties, contact the home loan experts at LBC Mortgage. Our professional, experienced and knowledgeable mortgage experts will take the time to answer your questions and help you get the best home loan at the best possible rate.

We can also take the time to let you know more about other programs available that don’t require income documentation or have the paperwork involved that can slow you down. This can keep financing flowing as you continue to invest and grow your real estate portfolio. As real estate experts ourselves, we understand that investors have unique needs, and an investor cash flow mortgage is a great way to leverage unique loan programs to continue your upward growth!

Fast & Easy Custom Rate Quotes


Know exactly what you can afford before you search for homes.


Spend less $ out of pocket and lock in a super low interest rate!

Skip to content