Investment Property Loan in El Paso, TX
Looking for a investment property loan near El Paso, TX? Harris Capital Mortgage Group is a licensed mortgage lender serving El Paso and surrounding areas. Get a free estimate — no hard credit check. NMLS# 1918223.
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Investment Property Loan Near El Paso, TX
Texas has no state income tax, which can increase your buying power. Property taxes vary significantly by county — your loan officer will factor in local rates when building your estimate.
Harris Capital Mortgage Group (NMLS# 1918223) is a licensed mortgage lender near El Paso, TX serving buyers throughout the TX market. Whether you're searching for a investment property loan near El Paso or anywhere in TX, our loan officers know the local market and will guide you through every step of the process.
Estimates are for informational purposes only and are not a loan approval or commitment to lend. Rates and terms subject to credit approval and change without notice.
Investment Property Loan, Common Questions
What down payment is required for an investment property?
Investment property loans typically require 15–25% down depending on the property type and loan program. Second homes have different requirements than true investment or rental properties.
Are investment property mortgage rates higher?
Yes. Rates for investment properties are generally 0.5–1.0% higher than owner-occupied properties because lenders view them as higher risk. Strong credit and reserves can help offset this.
Can I use rental income to qualify?
In many cases, yes. Lenders can count a percentage of expected or actual rental income toward your qualifying income. Documentation requirements vary — your loan officer will explain what's needed for your specific property.