Is there 100% stated income investment property financing?


Yes, there is 100% stated income investment property financing available. It is a relatively new mortgage product introduced within the last several years. 100% stated income financing for primary homes has been available for a longer time compared to second home and investment property stated income financing options.

What to use 100% stated income investment financing for?

Typically, 1 to 4 unit rental properties are great to finance with up to 100% stated income mortgage. For a long time people could only dream of a rental due to the 20% down payment that was required. Now, there is a whole array of mortgage products tailored specifically for stated income investment property financing. There are 2, 3 and 5 year hybrid ARMs, interest only loans, no mortgage insurance loans, etc. Also, jumbo and super jumbo stated income investment financing is also possible.

As a result of prolific opportunities for buying investment properties with full doc and stated income with zero down, owning a rental is becoming as popular as owning stocks and bonds.

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