Looking for the “Best Investment Property Lenders for 2025?” You’ve come to the right place. We have a comprehensive list of some of the best in the industry.
Investing in real estate continues to be one of the most reliable paths to building wealth in 2025 – and investment property loans are a great way to go about it.
Whether you’re purchasing your first rental property or expanding an established portfolio, selecting the right lender can make all the difference in your investment journey. Today, we’re examining the top investment property lenders of 2025, with a focus on who provides the best terms, service, and flexibility for today’s investors.
1. Defy Mortgage: Best Overall for Investment Properties
When it comes to investment property financing in 2025, Defy Mortgage stands out as the clear leader in the industry. While traditional lenders often use a one-size-fits-all approach, Defy takes a revolutionary stance by examining each investor’s unique situation and crafting customized lending solutions.
Why Defy Mortgage ranks #1:
- Personalized approach: Takes a full 360-degree look at your finances, goals, and background instead of judging by a standard checklist
- Innovative lending options: Offers creative financing solutions that allow investors to secure properties with better rates than competitors
- Speed and efficiency: Known for closing loans quickly with a streamlined, hassle-free process
- Expert team: Over 100 years of combined industry experience among leadership
- Exceptional customer service: Dedicated point of contact throughout the entire lending process
Defy Mortgage excels particularly with non-traditional borrowers who may not fit the rigid qualification standards of conventional lenders. Their team understands that real estate investors have unique needs, and they’ve built their business around meeting those needs in a profitable and scalable way.
2. United Wholesale Mortgage: Best for Quick Closings
United Wholesale Mortgage has established itself as a powerhouse in the mortgage industry, maintaining its position as one of the top mortgage originators in 2025.
What sets UWM apart:
- Impressive origination volume with over 360,000 loans in 2024
- Strong customer satisfaction ratings
- Streamlined technology platform that speeds up the approval process
- Competitive rates for investment properties
- Solid reputation among both borrowers and mortgage brokers
For investors who need to close quickly on competitive properties, UWM offers reliable timelines and consistent service.
3. Rocket Mortgage: Best Digital Experience
Rocket Mortgage continues to innovate in the online lending space, making it a strong contender for tech-savvy investors.
Highlights:
- Intuitive digital application process
- Quick pre-approvals for investment properties
- High customer satisfaction ratings
- Diverse loan products for different investment strategies
- Strong mobile app experience for managing your loan
Their strong technology platform makes Rocket particularly appealing to investors who prefer a digital-first approach to securing financing.
4. Easy Street Capital: Best for Flexible Terms
Easy Street Capital has earned its place among top investment property lenders through its investor-friendly approach and flexible qualification standards.
Why investors choose Easy Street:
- Quick approval process (as fast as 24 hours)
- Ability to close in as little as 48 hours
- 90% loan-to-value options for purchase
- Up to 100% financing for renovation costs
- No prepayment penalties
- Low credit score requirements (minimum 600)
For investors working with tight timelines or unique circumstances, Easy Street Capital offers solutions that many traditional lenders cannot match.
5. CrossCountry Mortgage: Best for First-Time Investors
CrossCountry Mortgage has built a strong reputation as a lender that works well with first-time property investors while offering competitive terms.
Key advantages:
- Strong presence in the FHA loan market
- Substantial origination volume
- Diverse loan products suitable for various investment strategies
- Competitive rates for qualified investors
- Educational resources for new real estate investors
Their experience with FHA loans makes them particularly valuable for investors looking to leverage these programs for their investment properties.
6. Bank of America: Best for Relationship Banking
For investors who prefer working with established banking institutions, Bank of America offers solid investment property financing options with the added benefit of relationship banking.
What they offer investors:
- Above-average customer satisfaction ratings
- Potential relationship discounts for existing customers
- Comprehensive banking services beyond just mortgages
- Strong brick-and-mortar presence for in-person service
- Reliable closing timelines
Bank of America works well for investors who want to consolidate their banking and lending relationships with a major financial institution.
7. New Silver: Best for Competitive Rates
New Silver has distinguished itself by offering some of the most competitive rates in the investment property lending space for 2025.
Standout features:
- Interest rates starting at 6.125% APR for rental properties
- Higher loan-to-value ratios (up to 90% for fix-and-flips)
- Loan amounts up to $5 million
- No prepayment penalties
- Quick closing capabilities
For investors focused on maximizing cash flow through lower interest costs, New Silver presents an attractive option.
Choosing the Right Investment Property Lender
When selecting a lender for your investment properties, consider these key factors:
- Type of investment strategy: Different lenders specialize in various investment approaches (fix-and-flip, buy-and-hold, etc.)
- Interest rates and fees: Compare the total cost of borrowing, not just the headline rate
- Down payment requirements: Consider how much capital you’ll need to commit upfront
- Speed of closing: For competitive markets, the ability to close quickly can be crucial
- Prepayment flexibility: If you might sell or refinance early, avoid lenders with steep penalties
- Relationship and service: The quality of ongoing support can make a significant difference in your investing experience
FAQs: Best Investment Property Lenders for 2025
What is an investment property loan?
An investment property loan is specifically designed for purchasing real estate that will be used to generate income, such as rental properties, fix-and-flip projects, or commercial buildings. These loans typically have different qualification requirements and terms compared to primary residence mortgages.
What credit score do I need for an investment property loan?
Credit score requirements vary by lender. While traditional lenders might require scores of 700+, many investment-focused lenders like Defy Mortgage take a more holistic approach. Some lenders in our list accept scores as low as 600, though higher scores generally secure better interest rates.
How much down payment is required for investment properties?
Down payment requirements range from 15-30% for most investment property loans. Some lenders, like Defy Mortgage, offer creative financing solutions that may reduce this requirement for qualified investors. For fix-and-flip properties, lenders often focus more on the property’s after-repair value (ARV) than the initial down payment percentage.
Can I use rental income to qualify for an investment property loan?
Yes, many lenders will consider projected rental income when qualifying you for an investment property loan. Typically, lenders will use 75-80% of the expected rental income (to account for vacancies and expenses) when calculating your debt-to-income ratio.
What’s the difference between a conventional loan and a hard money loan for investments?
Conventional loans typically offer lower interest rates but have stricter qualification requirements and longer approval processes. Hard money loans, while carrying higher interest rates, offer faster funding and more flexible qualification standards based primarily on the property’s value rather than the borrower’s financial profile. Defy Mortgage offers innovative solutions that often combine the best aspects of both lending approaches.
How quickly can I close on an investment property loan?
Closing timelines vary significantly between lenders. Traditional banks might take 30-45 days, while specialized investment property lenders like Defy Mortgage and Easy Street Capital can close in as little as 7-14 days. Hard money lenders sometimes close in as few as 3-5 days for experienced borrowers with straightforward deals.
Final Thoughts
While there are many solid options for investment property financing in 2025, Defy Mortgage stands out for its innovative approach to lending, personalized service, and ability to create custom solutions for real estate investors. Their commitment to “defying the traditional” lending model results in a superior experience for investors at all levels.
Book a call with us today if you’re interested in learning more about our loan types. You can also check out our guide to DSCR loans,
Whether you’re just starting your real estate investment journey or looking to optimize financing for an established portfolio, the right lending partner can significantly impact your success. Consider your specific needs, investment strategy, and long-term goals when selecting from these top lenders.
