Conventional investment financing
Conventional loans can finance 1–4 unit investment properties with appropriate down payment and reserves.
Investment Property Loans · Arizona
Investment Property Loans in Arizona
Investment financing is about the numbers and the long game. Whether you are buying a first rental near ASU or adding to a portfolio, the right loan structure supports cash flow and keeps future options open.
At a glance
Financing that fits the numbers.
Rental income considerations
Lease agreements or appraiser rent schedules can help support qualifying, depending on the program and your experience as a landlord.
House-hacking 2–4 units
Living in one unit of a 2–4 unit property can open owner-occupied financing options, including FHA or VA for eligible borrowers.
Alternative documentation
For some investors, programs that qualify based on property cash flow rather than personal income may be worth comparing.
Worth knowing
Things to weigh before you choose
- Investment properties typically require larger down payments and carry higher pricing than primary residences.
- Short-term rental rules vary by city and HOA in Arizona. Verify before you buy.
- Investors generally cannot assume FHA loans, which require owner occupancy.
Assumable angle
FHA assumptions generally require the buyer to occupy the home, so they are usually not an investor tool. VA loans can be assumed by non-veterans with approval, but occupancy and servicer rules still apply, so ask before building a plan around it.
FAQ
Investment Property Loans: common questions
How much down do I need for an investment property in Arizona?
Investment properties usually require more down than a primary residence. The exact amount depends on the number of units, your credit profile and the program.
Can I use rental income to qualify?
Often, yes. Depending on the program, lenders may use existing leases, your tax returns or an appraiser’s market rent analysis to account for rental income.
Can investors assume an FHA loan?
Generally no. FHA assumptions on loans originated after December 1989 generally require the buyer to qualify and occupy the home as a primary residence.
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See what you qualify for, no pressure.
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