Real estate investment loans
Embark on a new venture
Getting a loan for a new investment property can be tricky, even for seasoned investors, but Quontic can help. Our Non-Traditional Mortgages1 are designed to simplify the process of purchasing or refinancing an investment property, so you can focus your energy on a successful business plan rather than searching for the perfect loan. Quontic’s experienced, knowledgeable and diverse staff will guide you through the loan application process while giving you the personalized attention and respect you deserve.
Invest & grow with flexibility
As a Community Development Financial Institution, Quontic can offer Non-Traditional Mortgages to borrowers who may have trouble qualifying for a conventional mortgage. What does that mean? Unlike conventional lenders, Quontic assesses a borrower’s full financial profile rather than relying solely on information such as bank statements, W2s and tax returns. That means contractors, freelancers and investors can qualify for a loan based on their credit score and down payment.
Conventional Loans | Non-Traditional Mortgages | |
|---|---|---|
 Flexible Income |  |  |
 Self-prepared Profit & Loss Statements Accepted For Small Business Owners | | |
 100% Gift Funds Accepted For Down Payments, Closing Costs on investment property loans | | |
 DSCR: Qualify Using Only Positive | | |
 Loan Amounts | Up to $766,550* | Up To $3,000,000** |
 Minimum FICO Score Required | 620 | 660 |
 Minimum Down Payment Required | As low as 3% | 20%*** |
Information in this chart is applicable to the purchase of an investment property only.
*The Federal Housing Agency based on single unit as of January 1, 2023. Quontic Bank is not affiliated with or acting on behalf of or at the direction of FHA, VA or the Federal Government.
**The max amount of $3,000,000 is for Lite Doc and Asset Utilization programs only. A loan amount up to $3,000,000 requires minimum 30% down payment with a minimum FICO of 700, OR minimum 35% down payment with a minimum FICO score of 680 for qualified applicants.
***20% down payment requires a minimum 700 credit score and has a maximum $2MM loan amount.
Designed with your investment in mind
Unique loans tailored for property investors
Can be used to purchase condos, planned unit developments and 1-4-unit buildings
Borrowers can use Gift Funds for downpayment and closing costs
Recognized as a top mortgage lender
Quontic employs some of the best mortgage specialists in the industry. With decades of experience across various types of loan programs, our mortgage specialists are uniquely capable of helping you find your ideal loan to purchase your next real estate investment property. Your specialist will walk you through every step of the process as you apply for a Non-Traditional Mortgage, answering any questions you have along the way in an easy-to-understand manner. With hundreds of 5 star reviews from our customers, you can feel confident when you trust a Quontic mortgage specialist with your real estate investment loan needs.
Debt-service coverage ratio loan
Real estate investors can opt for Quontic’s debt-service coverage ratio loan to finance the purchase of an investment property. To qualify for this type of loan, you’ll use the income from the investment property and can finance up to 75% of the property value up to $2 million. There’s no need to show us a tax return, W2, bank statement or income statement. Our mortgage specialists will help guide you through the process so you can focus on what matters most: getting your new property rented out and making a profit.
Frequently Asked Questions
How do I get started with a Non-Traditional Mortgage?
What are gift funds?
Does Quontic accept gift funds?
Yes, Quontic accepts 100% Gift Funds for down payment and closing costs for our Non-Traditional Mortgages for eligible applicants.
How much of a down payment do I need?
Depending on which loan program you qualify for, you can have as little as a 20% down payment to own a home.
Do I need to verify my income?
Depending on which loan program you qualify for, a statement of income may not be required.
Disclaimer:
1All lending products are subject to approval. Rates, program terms & conditions are subject to change without notice. Not all products are available in all states or for all amounts. This does not represent an offer to enter into a loan agreement. Other requirements, restrictions & limitations apply. Information is accurate as of August 15, 2024 & is subject to change without notice.
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