Investment Property Loans Raleigh NC
By Jason Iacovelli, NMLS #3370 | Updated December 2025
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What are the requirements for investment property loans in Raleigh?
Investment property loans in Raleigh require 15-25% down payment. For borrowers without a credit score, purchase options include financing up to 65% loan-to-value with 24 months of verifiable rent history. Options requiring no reserves are available up to 75% loan-to-value. Requirements vary by program, property and borrower qualifications. These are separate program possibilities, not a combined offer. Interest rates are typically 0.5-0.75% higher than primary residence rates. Lenders use 75% of projected rental income to help you qualify for the mortgage.
Key Takeaways
- Investment properties require 15-25% down payment
- For borrowers without a credit score, purchase options include financing up to 65% loan-to-value with 24 months of verifiable rent history.
- Interest rates 0.5-0.75% higher than primary residence
- 75% of projected rental income counts toward qualification
- Options requiring no reserves are available up to 75% loan-to-value. Requirements vary by program, property and borrower qualifications.
Investment property loans in Raleigh require 15-25% down payment. For borrowers without a credit score, purchase options include financing up to 65% loan-to-value with 24 months of verifiable rent history. With strong rental demand in Raleigh, Cary, and Apex, investment properties offer excellent returns.
Investment-property financing includes DSCR options up to 80% loan-to-value, plus options requiring no reserves up to 75% loan-to-value.
For borrowers without a credit score, purchase options include financing up to 65% loan-to-value with 24 months of verifiable rent history.
These are separate program possibilities, not a combined offer. Requirements vary by program, property and borrower qualifications.
Investment Property Requirements
- Down payment: 15-25% (higher for multiple properties)
- For borrowers without a credit score, purchase options include financing up to 65% loan-to-value with 24 months of verifiable rent history.
- Options requiring no reserves are available up to 75% loan-to-value. Requirements vary by program, property and borrower qualifications.
- DTI ratio: 43% maximum including rental property
- Rental income: 75% counts toward qualification
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Best Areas for Rental Properties
Near NC State, RTP, and downtown Raleigh offer strong rental demand. Garner and Knightdale provide affordable entry points with good appreciation potential.
Jason Iacovelli
Licensed Mortgage Broker
Jason Iacovelli is a licensed mortgage broker serving the Raleigh-Durham Triangle area. Jason helps investors build wealth through real estate with competitive investment property financing.
Last reviewed and updated: December 31, 2025
Frequently Asked Questions About Investment Property Loans
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