Insignia Mortage

Interested in Investment Property Loans?

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Investment Property Loans

Stated income business purpose and no-tax return loan programs designed specifically for residential property investors and high-end residential developers.

Investment Property Loans 1 – 4 Units

Insignia Mortgage has a deep understanding of real estate investors and has long-standing relationships with local lenders who will underwrite investment property loans with or without tax returns. A variety of underwriting methodologies may be used in assessing what program best fits with the borrower’s financial profile including focusing solely on the properties cash-flow or property valuation.

Alternatively, we offer programs with highly competitive interest rates that take into account both the rental property cash-flows as well as the borrower’s income statement and balance sheet. Our lenders will also make the loan directly to the LLC limited partnership (LP) or corporation and provide interest-only adjustable rate mortgages (ARM’s) with no limit to cash-out proceeds.

Interest-only loans are available, which may aid property cash flow immensely. Most loan programs for rental and investment properties carry no pre-payment penalty. Rates are fixed from 3 years up to 10 years. The term of the loan is typically 30 years.

1 - 4 Unit Investment Property Loans
5/1 ARM 1
Interest Rate
($500,000 - $5,100,000)
Irrevocable Trust, Blind Trust, LP &
LLC Vesting OK
Press Highlights
  • Loans from $500,000 up to $25 million specifically designed for residential 1 – 4 single-family residences.
  • Interest-only rental property loan options OK.
  • LLCs, limited partnerships, corporations, and irrevocable trusts OK.
  • Cash-out OK up to 60% of appraised value. No-limit on cash-out proceeds.
  • Stated income (business purpose) investment property loan programs up to $5.1 million with interest only available. Maximum loan-to-value 60% of appraised value.
  • Custom loan structures for rental property and investment property homes including cross-collateralized and blanket loans with interest only.
  • No tax returns required to qualify. Borrower’s qualification is based on cash-flow from the subject property or borrower income statement and balance sheet. Better interest rates available when borrower fully discloses financials.
  • Foreign borrowers and foreign real estate investors welcomed.
  • Loan options with no prepayment penalty available.

Our Investment Property Loan Program has the following added features:


48-72 hour Letter of
Intent (LOI), close as
quickly as 14 days.


Loan options with no
prepayment penalty.


Loan options with no
prepayment penalty.


LLC, blind trust, irrevocable trust, and corporate vesting welcomed.


Transaction Spotlight

The Situation

We recently closed on a $4.5 million interest-only rental property loan for a luxury rental property in Newport Coast, CA. The lender took into consideration the property’s rental income, as well as the borrower’s income statement and real estate assets in making the loan. The borrower was coming out of a 1031 exchange and needed to close quickly. The borrowing entity was an LLC. The borrower faced severe tax consequences if he did not close within 25 days.

The Solution

Insignia Mortgage found a regional lender to provide a 65% adjustable rate mortgage with interest only. The loan was fixed for 5 years, carried a 30-year term, and was free of any pre-payment penalties. We closed in less than 25 days.

The Loan Details

  • $4.5 million dollar interest only ARM loan.
  • 65% LTV.
  • 4.883% APR, plus 1.5% points.
  • The borrower was an LLC. The guarantor was an individual.
  • No prepayment penalty.
  • 21-day close of escrow.
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