Investment Mortgage Broker

Your Path to Investment Property Loans in Lancaster, PA and beyond

Helping you navigate the real estate investment realm from opportunity to solution.

Investing in Real Estate, Simplified

Navigating each opportunity with you to find the best solution

Our Process Frame

Understanding, navigating and securing your investment portfolio one property at a time:

  • Additional Cash Flow: Investment properties offer the opportunity to generate steady rental income, providing a reliable source of cash flow. This income can cover mortgage payments and property maintenance costs and even yield profits over time.
  • Diversification of Investment Portfolio: Adding an investment property to your portfolio can diversify your investments, spreading risk across different asset classes. Real estate often behaves differently than stocks or bonds, offering a hedge against market volatility.
  • Appreciation of Property Value: Historically, real estate tends to appreciate over time, providing the potential for capital gains. By purchasing an investment property in a promising location or a developing neighborhood, you can benefit from the appreciation of property value, increasing your overall wealth.
  • Tax Benefits and Deductions: Investment properties come with various tax advantages, including deductions for mortgage interest, property taxes, depreciation, and operating expenses. These tax benefits can significantly reduce your taxable income and improve your overall financial position.
  • Long-Term Wealth Building: Investing in real estate can lead to long-term wealth accumulation. Through strategic property management, equity buildup, and appreciation, investment properties have the potential to generate substantial wealth over time, providing financial security and opportunities for future generations.
  • More Flexibility in the lending space: There are many different ways to finance an investment property today than just a few years ago. Whether you want to buy this in your name using a Conventional 20-25% down loan or commercially in an LLC or entity with a 20-30% down loan qualifying using just the property’s cash flow for income purposes, there are flexible options for you.
Real Estate Investor Going For Mortgage

Investment Property Loan Types

Your Path to Expanding Your Portfolio

Qualifying for an investment property purchase or refinance can take several forms, from standard income and debt qualification for the borrower to the credit score and cash flow of the specific property. Credit scores of 700+ will help you qualify for the best terms, while lower scores require additional money down and reserve requirements. Reach out to our team for more information

Investment Property Loan Types

Conventional Loans

The most straightforward loan type for a primary home or investment property. This loan would be qualified on your income, monthly debt liability (credit cards, car loans, student loans, mortgages, etc…), and the potential income of the property you are purchasing. This loan would be held in your personal name and often comes with the best interest rate options for an investment property. 

  •  Best rate options for an investment property
  •  It often provides you with more cash flow due to the lower rates.
  •  It can be harder to qualify for due to the calculation of your income and debt along with the new investment property

DSCR Loans

Debt Service Coverage Ratio loans. A DSCR loan is a type of loan where the borrower’s ability to repay is assessed based on the property income compared to the properties debt obligations. Lenders typically require a minimum debt service coverage ratio to ensure that the borrower can comfortably cover loan payments.

  •  Qualify on your FICO Score and the cash flow of the subject property
  •  Ignore personal liabilities 
  •  Vesting can be done in an LLC
  •  Stabilize with a 30 year fixed rate
  •  Some can provide funds for renovation with the purchase

FHA Loans

FHA loans can be a great entry for a new investor looking to buy a multi-unit home and live in one of the units. This allows you to begin your investor journey with some cash flow in a 2-4-unit property.

  •  Must be your primary home
  •  A low entry point requiring only a 3.5% down payment
  •  You must live in the home for at least 12 months
  •  Rates can be reasonable but there are extra fees to consider

Bank Statement Loan

A bank statement loan qualifies you, the borrower based on cash flow on your bank statement. This avoids the need for tax returns and just looks at business income on your 12 or 24 months of bank statements.

  •  Qualify on income on your bank statements
  •  FICO Score above 680

Portfolio Loans

Details on portfolio loans for investors with multiple properties, emphasizing customized loan terms.

  •  Package multiple properties into one loan portfolio

Hard Money Loan Solutions in Pennsylvania

Contact us for details on how our hard money loan programs are designed to support investors looking to buy, fix, and sell, or buy, fix, and rent residential properties. Tailored financing at your fingertips.



Your Path to Investment Property Loans

Qualifying for a purchase or refinance can sometimes be scary, but with our team, we help you determine the best path to qualification. Depending on your investment goals, we can go in multiple directions to best fit your financial picture.

The Mortgage Craft Process

A Seamless Path to Ownership

Our team is here to help you determine the best path toward your investment goals. We look at the bigger picture and help you determine the best path to securing your financial future.

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We deeply analyze your financial situation and aspirations to create a personalized plan that aligns with your vision of success.

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With our expert advisors by your side, you’ll gain knowledge and confidence to make informed decisions in the mortgage market.

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We explore uniquely crafted opportunities to secure the best loan options for your financial success, going beyond traditional approaches.

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Let's Take the First Step Together

Our team is here to help you navigate towards securing your financial future. We understand your concerns and strive to provide the best advice. With us, you’ll find it as easy as speaking with a friend. Start today with a simple phone call or online application.

We look forward to speaking with you soon!

Frequently Asked Questions About Investment Loans

Can I use investment property loans for both fix-and-flip and fix-and-rent projects?

Yes, we have options, including a purchase and renovation loan. These short-term loans would allow you time to make the renovations and then refinance to stabilize the property into a long-term loan or sell the home.

Investors have thrived in the Eastern Pennsylvania area. From short-term Airbnb to long-term rentals, Pennsylvania and, specifically, the Poconos and southeastern PA areas such as Lancaster County and Chester County are great areas to begin your investor journey.

If you are buying a new multi-unit as your primary home, you can put as little as 5% down using a conventional loan or 3.5% down on an FHA loan, but it must be a primary home. If it is not a primary home, 20% down is generally the minimum down payment allowable by most lenders, and 25-30% down would be most common.


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While a fix and flip or fix and rent loan is typically for a 12-month term, most all other investor loans we originate would be a 30-year fixed term.

Some of our investors will allow scores as low as 620. 700 and above will afford you the best lending terms.

75% loan to value would be the most common.

While the market changes daily, rates for investment properties (non-primary) would be in the 8%-9% range as of April 2024. As of April 2024, primary home multi-units could be in the 7% range, pending qualification terms. Be sure to get an official Loan Estimate before making a loan decision.


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