Top 5 Investment Property Loan Lenders in the U.S. for 2025

Looking to grow your real estate portfolio? Whether you’re buying your first rental or expanding into multi-family units, investment property loans are the fuel behind your strategy. But not all lenders are created equal—and choosing the right one can have a big impact on your ROI, cash flow, and long-term stability.

In this guide, we’ll walk you through the top-rated investment property loan lenders in the U.S. for 2025. We’ll break down what each one offers, who they’re best for, and what to watch out for—so you can make a confident, informed decision. Let’s get into it.

How to Choose the Best Investment Property Loan Lender

Before you jump into a deal, it’s worth understanding what separates a great lender from a so-so one—especially if you're aiming for the best investment property loans available.

Here’s what you’ll want to keep in mind:

• Loan-to-Value Ratio (LTV): How much financing you can get versus how much you’ll need to put down.
• Down Payment Requirements: Some lenders want 20%, others may require 25% or more.
• Credit Score Minimums: Investor-friendly lenders may go as low as 620, while others stick to 700+.
• Interest Rates & Loan Structure: Are they offering fixed or adjustable rates? That can affect your long-term numbers.
• Experience with Real Estate Investment Financing: Look for lenders who understand investor needs—not just homebuyers.

Choosing right can save you thousands.

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Types of Investor Financing and June Interest Rates

When it comes to investment property loans, selecting the right financing option is crucial for maximizing returns. Here's a breakdown of common loan types and their current interest rates:

• Conventional Investment Property Loans: These are traditional mortgages offered by banks and credit unions. They typically require strong credit and a 20% down payment. As of June 2025, interest rates range from 7.25% to 8.5% for well-qualified investors.
• DSCR Loans: A DSCR loan (Debt-Service Coverage Ratio) focuses on the property's income rather than the borrower's personal income. Ideal for rental properties, current rates average between 6.25% and 7.75%, depending on factors like credit score and property type.
• Hard Money Loans: These short-term loans are asset-based, often used for fix-and-flip projects. Interest rates are higher, typically ranging from 9.5% to 12% for first-position loans.
• Portfolio Loans: Offered by lenders who keep the loan in-house, these loans provide flexibility for unique investment strategies.Rates vary but generally fall between 5% and 9%, influenced by the lender and borrower profile.
• Airbnb/Short-Term Rental Loans: Tailored for short-term rental investments, an Airbnb investment loan considers projected rental income. Interest rates start around 5.75%, with requirements varying by lender.

Understanding these options and their current rates can help you choose the best financing for your investment goals.

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Top 5 Investment Property Loan Lenders in the U.S. for 2025

1. TheLender

TheLender is a prominent player in the investment property loan market, offering a range of financing options tailored for real estate investors. Their programs are designed to accommodate various investment strategies, including short-term rentals and fix-and-flip projects. 

Investors can apply online by connecting TheLender to their bank accounts and tax statements for a more accurate pre-approval process. Connections take about 15 minutes, and TheLender assigns a loan specialist to each borrower. 

Published reviews and feedback from investors indicate that TheLender is a reliable lender with excellent customer service and a strong track record in financing investor deals.

Key Features:

• Loan Types: Conventional, DSCR, and short-term rental loans
• Interest Rates: Starting at 6.5%
• Loan Terms: Up to 30 years
• Eligibility: Minimum credit score of 620; 15% down payment
• Unique Selling Point: Specializes in Airbnb and short-term rental financing

As a leading investment property loan lender in 2025, TheLender's flexible terms and investor-focused services make them a top choice for those seeking investment property loans.

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2. Kiavi

Kiavi has emerged as a leading private lender for real estate investors, having funded over 100,000 loans totaling more than $27 billion in volume as of June 2025 . Their tech-enabled platform offers a streamlined application process, allowing investors to secure financing quickly and efficiently. Kiavi's focus on data-driven decision-making ensures competitive pricing and reliable capital for scaling investment portfolios.

Kiavi's loan offerings include fix-and-flip loans, bridge loans, and long-term rental loans. Their fix-and-flip loans provide up to 95% of the purchase price and 100% of renovation costs, not exceeding 75% of the after-repair value (ARV) . For long-term rental properties, Kiavi offers DSCR loans with terms up to 30 years, catering to investors seeking to build wealth through rental income.

Investors can apply online through Kiavi's user-friendly platform, which simplifies the loan process from application to funding. With a presence in numerous states across the U.S., Kiavi continues to be a trusted partner for real estate investors looking to grow their portfolios with speed and confidence .

Key Features:

• Loan Types: DSCR, fix-and-flip, bridge loans
• Interest Rates: Starting at 7.25%
• Loan Terms: 12 to 24 months for short-term; up to 30 years for long-term
• Eligibility: Minimum credit score of 660; up to 95% LTC
• Unique Selling Point: Fast funding with in-house servicing

For those seeking real estate investor loans with quick turnaround times, Kiavi offers competitive solutions.

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3. Visio Lending

Visio Lending specializes in providing long-term financing solutions for buy-and-hold investors, particularly those focusing on single-family rentals and vacation rental properties. Their DSCR loan program allows investors to qualify based on property cash flow rather than personal income, making it an attractive option for self-employed individuals and those with multiple investment properties.

Visio's loan products include the Rental360 program, which offers 30-year fixed or adjustable-rate mortgages for rental properties, and vacation rental loans tailored for short-term rental investments. Interest rates start at 5.2%, with loan amounts ranging from $75,000 to $3 million . The company requires a minimum credit score of 680 and a down payment of at least 20%.

The application process with Visio is straightforward, featuring an online portal that guides borrowers through each step.With a reputation for transparency and efficiency, Visio Lending has become a go-to lender for investors seeking reliable financing for their rental property ventures .

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Key Features:

• Loan Types: DSCR loans for short-term and vacation rentals
• Interest Rates: Starting at 7.2%
• Loan Terms: Up to 30 years
• Eligibility: Minimum credit score of 680; 20% down payment
• Unique Selling Point: No personal income verification required

Recognized among the best investment property lenders for vacation rentals, Visio Lending is ideal for investors focusing on Airbnb properties.

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4. RCN Capital

RCN Capital offers a diverse range of financing options for real estate investors, including short-term fix-and-flip loans, long-term rental loans, and new construction financing. Their programs are designed to accommodate both novice and experienced investors, providing flexibility and competitive terms.

RCN's fix-and-flip loans offer up to 95% of the purchase price and 100% of renovation costs, with interest rates starting at 9.20%. For long-term rental properties, they provide 30-year DSCR loans with rates beginning at 5.75%, allowing investors to build wealth through rental income . Additionally, RCN offers financing for ground-up construction projects, catering to investors looking to develop new properties.

The application process with RCN Capital is streamlined, and their team of experienced professionals provides personalized support throughout the loan process. With a nationwide presence and a commitment to serving the needs of real estate investors, RCN Capital continues to be a trusted partner in the investment property lending space .

Key Features:

• Loan Types: Fix-and-flip, long-term rental, multi-family, new construction
• Interest Rates: Starting at 8.25%
• Loan Terms: 12 to 24 months for short-term; up to 30 years for long-term
• Eligibility: Minimum credit score of 620; up to 90% of purchase price financing
• Unique Selling Point: Flexible underwriting with transparent guidelines

For investors seeking comprehensive real estate investment loan solutions, RCN Capital provides robust options.

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5. Modern Lending

Modern Lending specializes in financing solutions for Airbnb and short-term rental investors. Their loan programs are designed to accommodate the unique needs of short-term rental properties, offering flexible terms and competitive rates .

Modern Lending requires a minimum down payment of 15% for the first Airbnb property and 20% for subsequent properties, financing up to 10 rentals per host . Their team of loan officers, many of whom own vacation rentals themselves, provides expert guidance throughout the loan process, ensuring that investors receive tailored financing solutions.

The application process is designed to be efficient and user-friendly, with online tools that simplify each step. Modern Lending's deep understanding of the short-term rental market and commitment to customer service make them a preferred choice for investors seeking to finance Airbnb properties.

Key Features:

• Loan Types: Airbnb-specific loans, DSCR loans
• Interest Rates: Starting at 6.5%
• Loan Terms: Up to 30 years
• Eligibility: Minimum credit score of 620; 15% down payment
• Unique Selling Point: Team of loan officers experienced in owning and managing short-term rentals

Their deep understanding of the short-term rental market makes them a preferred choice for investors in this space.

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​​FAQs About Investment Property Loan Lenders

1. What’s the easiest investment property loan to get?

That depends on your financial profile, but for many investors, a DSCR loan is the simplest option. Instead of verifying your personal income, the lender looks at whether the property’s rental income can cover the mortgage. If the numbers work, you’re in. Lenders like TheLender, Kiavi, and Visio Lending all offer streamlined DSCR loan programs with flexible underwriting.

2. Can I get a loan with no income verification?

Yes, you can. Several lenders now offer no-doc or low-doc loans that don’t require traditional income verification. These are especially common with DSCR loans, which base approval on rental income instead of W-2s or tax returns.

3. Do investment loans require 20% down?

Not always, but it’s a good benchmark. Most lenders prefer a 15–25% down payment depending on the loan type, property, and your credit. Some fix-and-flip or bridge loans might offer lower down payments, while DSCR or conventional loans typically want you to have at least 20% down to avoid higher rates or fees. Keep in mind, the more you put down, the better your terms usually are.

4. Which lender works best for Airbnb properties?

If you’re investing in short-term rentals or Airbnb properties, look at TheLender. They have programs designed for vacation rental financing, with loan officers who understand STR-specific cash flow. TheLender also offers DSCR options that consider projected nightly income—perfect if you’re investing in a popular tourist market.

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Final Thoughts

Choosing the right lender isn’t just about rates—it’s about finding a partner who understands your investment strategy. Whether you’re flipping homes, scaling a rental portfolio, or diving into the short-term rental game, today’s top lenders offer tailored solutions to help you grow.

From DSCR loans to Airbnb financing, each lender brings something different to the table. Knowing who specializes in what can save you time, money, and stress.

If you’re ready to explore investment property loans that actually fit your goals, TheLender is a great place to start. Their streamlined process and investor-friendly terms make them one of the best investment loan lenders in 2025.