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0:{"buildId":"Q6O0z0sMWODTzJ-zENbte","rsc":["$","$1","c",{"children":[[["$","section",null,{"className":"bg-gradient-to-br from-primary-dark via-primary to-primary-dark py-20 sm:py-28","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 text-center sm:px-6 lg:px-8","children":[["$","h1",null,{"className":"text-4xl font-bold tracking-tight text-white sm:text-5xl lg:text-6xl","children":"Investment Property Loans"}],["$","p",null,{"className":"mx-auto mt-6 max-w-2xl text-lg text-white/80 sm:text-xl","children":"Build your real estate portfolio with financing designed for investors. Competitive rates and flexible qualification for rental properties and income-producing real estate."}],["$","div",null,{"className":"mt-8 flex flex-col items-center justify-center gap-4 sm:flex-row","children":[["$","a",null,{"href":"https://www.afnbp.com/web/borrower-portal/application?p_p_id=com_afncorp_bp_web_portlet_ApplicationPortlet&p_p_lifecycle=0&p_p_state=normal&p_p_mode=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_action=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_loId=A9YI&_com_afncorp_bp_web_portlet_ApplicationPortlet_loanPurpose=purchase","target":"_blank","rel":"noopener noreferrer","className":"rounded-full bg-gold px-8 py-3.5 text-base font-semibold text-text-dark shadow-lg transition-colors hover:bg-gold-light","children":"Apply Now"}],["$","$L2",null,{"className":"rounded-full border-2 border-white px-8 py-3.5 text-base font-semibold text-white transition-colors hover:bg-white hover:text-primary","children":"Book a Consultation"}]]}]]}]}],["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 sm:px-6 lg:px-8","children":["$","div",null,{"className":"grid gap-12 lg:grid-cols-2 items-center","children":[["$","div",null,{"children":[["$","h2",null,{"className":"text-3xl font-bold text-primary-dark sm:text-4xl","children":"Financing for Real Estate Investors"}],["$","p",null,{"className":"mt-4 text-lg text-gray-medium","children":"Whether you are purchasing your first rental property or expanding a multi-property portfolio, investment property loans provide the capital you need to grow your real estate investments. These loans are designed specifically for properties you do not intend to occupy as your primary residence, including single-family rentals, multi-unit buildings, and vacation rental properties. Joshua Donion works with investors at every stage to find the right financing strategy."}]]}],["$","div",null,{"className":"relative","children":["$","$L3",null,{"src":"/images/modern-rental-property.jpg","alt":"Modern rental property with welcoming entrance","width":800,"height":600,"className":"rounded-2xl shadow-lg object-cover w-full"}]}]]}]}]}],["$","section",null,{"className":"bg-off-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-center text-3xl font-bold text-primary-dark sm:text-4xl","children":"Types of Investment Property Loans"}],["$","div",null,{"className":"mt-12 grid gap-8 lg:grid-cols-3","children":[["$","div",null,{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Conventional Investment Loans"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Traditional mortgage financing for investment properties backed by Fannie Mae or Freddie Mac. These loans offer competitive rates but require strong credit and a minimum 15% to 25% down payment."}],["$","ul",null,{"className":"mt-4 space-y-2 text-sm text-gray-medium","children":["$L4","$L5","$L6","$L7"]}]]}],"$L8","$L9"]}]]}]}],"$La","$Lb","$Lc","$Ld"],["$Le"],"$Lf"]}],"loading":null,"isPartial":false}
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7:["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],"Full income and asset documentation required"]}]
8:["$","div",null,{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"DSCR Loans"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Debt Service Coverage Ratio (DSCR) loans qualify based on the property's rental income rather than your personal income. Ideal for self-employed investors or those with complex tax returns."}],["$","ul",null,{"className":"mt-4 space-y-2 text-sm text-gray-medium","children":[["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],"No personal income verification required"]}],["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],"Qualification based on property cash flow"]}],["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],"Typically requires DSCR of 1.0 or higher"]}],["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],"Available for LLCs and corporate entities"]}]]}]]}]
9:["$","div",null,{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Portfolio Loans"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Portfolio loans are held by the originating lender rather than sold on the secondary market. This gives lenders more flexibility in underwriting, making them ideal for unique properties or borrower situations."}],["$","ul",null,{"className":"mt-4 space-y-2 text-sm text-gray-medium","children":[["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],"Flexible underwriting guidelines"]}],["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],"Finance multiple properties under one loan"]}],["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],"Non-traditional property types accepted"]}],["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],"Customizable terms and structures"]}]]}]]}]
a:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-center text-3xl font-bold text-primary-dark sm:text-4xl","children":"Qualification Requirements"}],["$","p",null,{"className":"mx-auto mt-4 max-w-2xl text-center text-gray-medium","children":"Investment property loans have different qualification criteria than primary residence mortgages. Here is what lenders typically evaluate."}],["$","div",null,{"className":"mt-12 grid gap-8 md:grid-cols-2","children":[["$","div","Higher Down Payments",{"className":"rounded-lg border-l-4 border-primary bg-white p-6 shadow-sm transition-all duration-300 hover:shadow-lg hover:border-primary-dark","children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Higher Down Payments"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Investment property loans generally require 15% to 25% down, depending on the number of units and loan type. A larger down payment reduces lender risk and can secure better interest rates."}]]}],["$","div","Strong Credit Profile",{"className":"rounded-lg border-l-4 border-primary bg-white p-6 shadow-sm transition-all duration-300 hover:shadow-lg hover:border-primary-dark","children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Strong Credit Profile"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Most lenders require a minimum credit score of 680 for investment property loans, with better rates available for scores of 720 and above. Your credit history should demonstrate responsible debt management."}]]}],["$","div","Cash Reserves",{"className":"rounded-lg border-l-4 border-primary bg-white p-6 shadow-sm transition-all duration-300 hover:shadow-lg hover:border-primary-dark","children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Cash Reserves"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Expect to need 6 months of mortgage payments in reserves for the investment property, plus reserves for any other mortgages you hold. This protects you during vacancy periods."}]]}],["$","div","Rental Income Consideration",{"className":"rounded-lg border-l-4 border-primary bg-white p-6 shadow-sm transition-all duration-300 hover:shadow-lg hover:border-primary-dark","children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Rental Income Consideration"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Lenders may count 75% of expected rental income toward your qualifying income. For DSCR loans, the property's income-to-debt ratio is the primary qualification metric."}]]}],["$","div","Debt-to-Income Ratio",{"className":"rounded-lg border-l-4 border-primary bg-white p-6 shadow-sm transition-all duration-300 hover:shadow-lg hover:border-primary-dark","children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Debt-to-Income Ratio"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Your total DTI, including all existing mortgages and the proposed investment property payment, typically cannot exceed 45%. DSCR loans bypass personal DTI requirements entirely."}]]}],["$","div","Property Appraisal",{"className":"rounded-lg border-l-4 border-primary bg-white p-6 shadow-sm transition-all duration-300 hover:shadow-lg hover:border-primary-dark","children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Property Appraisal"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"An investment property appraisal includes both a value assessment and a rental market analysis. The appraiser will evaluate comparable rental rates to support the projected income."}]]}]]}]]}]}]
b:["$","section",null,{"className":"bg-off-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-center text-3xl font-bold text-primary-dark sm:text-4xl","children":"Benefits of Real Estate Investing"}],["$","div",null,{"className":"mt-12 grid gap-8 sm:grid-cols-2 lg:grid-cols-3","children":[["$","div","Passive Rental Income",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Passive Rental Income"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Generate monthly cash flow from tenants to cover your mortgage, build wealth, and create a reliable income stream that can supplement or replace earned income over time."}]]}],["$","div","Property Appreciation",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Property Appreciation"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Real estate historically appreciates over time, building equity in your investment. Leveraging a mortgage allows you to benefit from appreciation on the full property value while only investing a fraction upfront."}]]}],["$","div","Tax Advantages",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Tax Advantages"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Investment property owners benefit from deductions including mortgage interest, property taxes, insurance, depreciation, maintenance costs, and property management fees. Consult a tax advisor for details specific to your situation."}]]}],["$","div","Portfolio Diversification",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Portfolio Diversification"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Real estate provides diversification beyond stocks and bonds. Property values often move independently of the stock market, reducing overall portfolio risk."}]]}],["$","div","Leverage",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Leverage"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Mortgage financing allows you to control a large asset with a relatively small investment. A 25% down payment gives you 100% of the rental income and appreciation on the full property value."}]]}],["$","div","Inflation Hedge",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Inflation Hedge"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Rental income and property values tend to rise with inflation, while your fixed-rate mortgage payment stays the same. Over time, your real costs decrease as rents increase."}]]}]]}],"$L10"]}]}]
c:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-center text-3xl font-bold text-primary-dark sm:text-4xl","children":"Frequently Asked Questions"}],["$","div",null,{"className":"mt-12 space-y-8","children":[["$","div","Can I use rental income to qualify for an investment property loan?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Can I use rental income to qualify for an investment property loan?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Yes. For conventional loans, lenders typically count 75% of projected rental income (based on the appraisal or existing lease) toward your qualifying income. DSCR loans qualify primarily on the property's rental income relative to the mortgage payment, without requiring personal income verification."}]]}],["$","div","How many investment properties can I finance?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"How many investment properties can I finance?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Fannie Mae allows up to 10 financed properties per borrower, including your primary residence. DSCR and portfolio lenders may have no limit on the number of properties you can finance. Joshua can help you structure your portfolio to maximize your financing capacity."}]]}],["$","div","What interest rates should I expect for investment property loans?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"What interest rates should I expect for investment property loans?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Investment property loan rates are typically 0.25% to 0.75% higher than primary residence rates for conventional loans. DSCR loans may carry slightly higher rates due to the reduced documentation requirements. Your specific rate depends on your credit score, down payment, and the property type."}]]}],["$","div","Can I buy an investment property through an LLC?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Can I buy an investment property through an LLC?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Yes, but options vary by loan type. DSCR and portfolio loans commonly allow financing in the name of an LLC or corporate entity. Conventional loans typically require the borrower to be an individual, though you can transfer the property to an LLC after closing in most cases."}]]}],["$","div","What is DSCR and how is it calculated?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"What is DSCR and how is it calculated?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Debt Service Coverage Ratio (DSCR) measures a property's ability to cover its debt obligations. It is calculated by dividing the property's annual net operating income (rental income minus expenses) by the annual mortgage payment. A DSCR of 1.0 means the property breaks even; lenders typically require 1.0 to 1.25 or higher."}]]}]]}]]}]}]
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10:["$","div",null,{"className":"mt-10 text-center","children":["$","a",null,{"href":"https://www.afnbp.com/web/borrower-portal/application?p_p_id=com_afncorp_bp_web_portlet_ApplicationPortlet&p_p_lifecycle=0&p_p_state=normal&p_p_mode=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_action=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_loId=A9YI&_com_afncorp_bp_web_portlet_ApplicationPortlet_loanPurpose=purchase","target":"_blank","rel":"noopener noreferrer","className":"inline-block rounded-full bg-gold px-8 py-3.5 text-base font-semibold text-text-dark shadow-lg transition-colors hover:bg-gold-light","children":"Start Your Investment Loan Application"}]}]
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