Residential
Investment Property Loans in San Jose, CA
San Jose homebuyers trust Custom Mortgage for their Investment Property Loans needs. With deep knowledge of the local market, from Evergreen to Willow Glen, we provide tailored solutions with rates as low as 6.875%.
Key Facts About Investment Property Loans
CMRE Investment Property Loans offers competitive rates for qualified borrowers.
CMRE processes Investment Property Loans in 21-30 days from application.
CMRE offers cross-collateral options for Investment Property Loans.
CMRE Investment Property Loans accepts alternative income documentation for self-employed.
CMRE processes Investment Property Loans in 21-30 days.
CMRE Investment Property Loans accepts alternative income documentation.
CMRE Investment Property Loans available for primary, second home, and investment.
Program Benefits
Competitive interest rates starting at 6.875% for qualified borrowers.
High Loan-to-Value (LTV) options, up to 97%, to minimize your upfront investment.
Financing available for a wide range of investment property types.
Streamlined application and approval process for quick closings.
Expert guidance from experienced mortgage professionals specializing in investment properties.
Build equity and generate rental income with strategic real estate investments.
Program Highlights
Max LTV
97%
Min Credit Score
620
Max DTI
50%
Loan Amount Range
$75K - $5M
Amortization Options
Eligible Properties
- Single Family
- Condo
- Townhouse
- Multi-Family (2-4 units)
Program Requirements
Income Documentation
- •Stable and verifiable income sources are required.
- •Rental income from other properties can be considered.
- •Proof of sufficient income to cover all debts and the new mortgage payment.
- •Self-employed borrowers will need to provide additional documentation.
Asset Verification
- •Sufficient liquid assets to cover the down payment, closing costs, and reserves.
- •Verification of funds through bank statements and other financial documents.
- •Reserves may be required to cover several months of mortgage payments.
Insurance & Title
- •Hazard insurance is required to protect the property against damage.
- •Liability insurance to cover potential claims from tenants or visitors.
- •Flood insurance may be required depending on the property's location.
- •Proof of adequate insurance coverage must be provided prior to closing.
Property Requirements
- •Minimum FICO score of 620 required.
- •A strong credit history demonstrating responsible borrowing behavior.
- •Review of credit report for any adverse credit events, such as bankruptcies or foreclosures.
- •Lower rates may be available for borrowers with higher credit scores.
Investment Property Loans in San Jose: The Complete Guide
What Is Investment Property Loans?
Investment property loans are specifically designed for individuals or entities looking to purchase real estate with the intention of generating income, either through rental or resale. Unlike primary residence mortgages, investment property loans often have different qualification requirements, interest rates, and terms. Understanding these differences is crucial for making informed investment decisions.
Who Qualifies for Investment Property Loans?
- •Income documentation varies: W-2, 1-Year Tax Return (Freddie Mac), bank statement, VOE-only, or P&L options available through CMRE.
- •Credit requirements depend on specific Investment Property Loans guidelines — CMRE evaluates your full profile.
- •Down payment assistance programs can be combined with Investment Property Loans for eligible borrowers.
- •Cross-collateral options: leverage existing property equity to reduce your down payment.
Investment Property Loans vs. Other Options
- •CMRE compares Investment Property Loans against FHA, VA, and other residential programs to find lowest total cost.
- •Factors: credit score, down payment, self-employment status, property type, ownership period.
- •For self-employed: CMRE's VOE-only and P&L programs may provide better qualification.
- •CMRE runs multiple scenarios and recommends the program with best long-term value.
Apply for Investment Property Loans with CMRE
- •Step 1: Pre-qualification online, by phone, or via Instant Advisor.
- •Step 2: Pre-approval with documentation — issued within 24 hours.
- •Step 3: Property search — CMRE coordinates with your agent.
- •Step 4: Processing and underwriting in 14-21 days.
- •Step 5: Closing in 21-30 days total from application.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Investment Property Loans in San Jose, CA
San Jose mortgage lending for Silicon Valley homebuyers. Jumbo, conventional, and Non-QM programs. Custom Mortgage & Real Estate specializes in providing high-fidelity Investment Property Loans solutions tailored to the unique economic landscape of San Jose and the surrounding Santa Clara County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireSan Jose metropolitan area.
Service Areas & Neighborhoods
Our San Jose Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Common Questions About Investment Property Loans in San Jose
What are current Investment Property Loans rates in San Jose, CA?
Investment Property Loans rates in San Jose depend on loan amount, credit profile, and property type. CMRE publishes updated San Jose rate ranges daily and provides locked quotes within 24 hours of application.
How long does Investment Property Loans closing take in San Jose?
CMRE typically closes Investment Property Loans loans in San Jose within 21-30 days from application. Pre-approval takes 24 hours, and our CA-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What San Jose neighborhoods qualify for Investment Property Loans?
All residential neighborhoods in San Jose and Santa Clara County qualify for Investment Property Loans through CMRE. Single-family homes, condos, townhomes, and 2-4 unit properties are eligible. Our local team can advise on specific HOA or condo project approval requirements.
Does CMRE offer first-time buyer programs in San Jose?
Yes. CMRE offers first-time homebuyer programs in San Jose including down payment assistance, 3% down conventional, and FHA 3.5% options. CA residents may also qualify for state-specific grants and bond programs.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
The minimum down payment typically ranges from 5% to 25%, depending on the lender, loan program, and your qualifications. High LTV programs are available.
Yes, lenders will consider the potential rental income from the property when assessing your ability to repay the loan. However, they will typically require a rent appraisal and may only count a percentage of the projected rental income.
Interest rates for investment property loans are typically higher than those for primary residence loans due to the increased risk associated with investment properties. Rates start at 6.875% but can vary. Speak with a loan officer for current rates.
Requirements vary. CMRE offers options as low as 3% for qualified borrowers and cross-collateral options that use existing property equity.
Yes. CMRE offers 1-Year Tax Return (Freddie Mac), bank statement, P&L, and VOE-only programs for self-employed.
CMRE typically closes in 21-30 days. Pre-approval within 24 hours.
Depends on program. CMRE also offers DSCR and bank statement investment-specific programs.
Rates vary by credit score, LTV, and market conditions. Contact CMRE for a personalized quote. NMLS #1556995.
Investment Property Loans by Location
Get local rates, loan limits, and market data for Investment Property Loans in your area.
CA
CO
GA
ID
IL
MI
NJ
NY
OH
OR
VA
WA
View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
