Investment Property Loans in 2025: Build Your Empire Brick by Brick
- David Marsh
- Jun 13
- 2 min read

If you’ve ever said, “I should’ve bought that duplex in 2018,” then listen up — 2025 is your redemption arc. Real estate is still one of the most reliable paths to wealth, and investment property loans are how you stop watching HGTV and start collecting rent checks.
At Grand Funding, we’ve helped hundreds of investors — from first-time landlords to seasoned flippers — secure loans for everything from single-family rentals to 20-unit apartment buildings. If you’re ready to build your empire, we’re ready to underwrite it.
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Why Investment Property Loans Matter More Than Ever
Let’s talk numbers. In 2025:
• Rental demand is sky-high, especially in Arizona and California cities with inbound migration like Phoenix, Temecula, and Sacramento.
• Interest rates have leveled off, and equity is up, giving investors more leverage.
• Institutional buyers are backing off — which means less competition from the big fish.
Translation? It’s prime time for small and mid-size investors to re-enter the game.
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Your Loan Options in 2025
Whether you’re planning to rent it, flip it, or hold it for long-term cash flow, you’ve got choices:
• DSCR Loans – No W-2s or tax returns, just prove the property cash flows
• Conventional Investment Loans – 15–25% down, solid for SFRs or 2–4 units
• Portfolio Loans – Great for multiple properties, even if you’re maxed out on Fannie/Freddie caps
• Hard Money Loans – Speedy, flexible, and perfect for value-add deals
• Commercial Loans – For properties with 5+ units or mixed-use buildings
We work with private lenders and national partners to tailor the financing around your strategy — whether that’s Airbnb, BRRRR, or long-term holds.
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What You’ll Need (Spoiler: More Than a Pinterest Board)
• A solid exit strategy (rent, flip, refi — pick your path)
• At least 20–25% down
• Decent credit (usually 680+ unless going DSCR or hard money)
• A property with real income potential
Need help finding comps? Need help running your numbers? We do that, too. Grand Funding is more than a lender — we’re your partner in profit.
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Pro Tip: Many lenders now allow short-term rental income to qualify — yes, your future Airbnb cash flow can help you get approved. We’re staying ahead of the curve so you can, too.
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Sources:
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