Real estate investment loans

Embark on a new venture

Getting a loan for a new investment property can be tricky, even for seasoned investors, but Quontic can help. Our Non-Traditional Mortgages1 are designed to simplify the process of purchasing or refinancing an investment property, so you can focus your energy on a successful business plan rather than searching for the perfect loan. Quontic’s experienced, knowledgeable and diverse staff will guide you through the loan application process while giving you the personalized attention and respect you deserve.

Google rating: 4.5 of 5 stars
Bankrate rating: 5.0 of 5 stars
Zillow rating: 4.9 of 5 stars

Invest & grow with flexibility

As a Community Development Financial Institution, Quontic can offer Non-Traditional Mortgages to borrowers who may have trouble qualifying for a conventional mortgage. What does that mean? Unlike conventional lenders, Quontic assesses a borrower’s full financial profile rather than relying solely on information such as bank statements, W2s and tax returns. That means contractors, freelancers and investors can qualify for a loan based on their credit score and down payment.

Non-Traditional Mortgages

Flexible Income
Documentation Required


Self-prepared Profit & Loss Statements Accepted For Small Business Owners


100% Gift Funds Accepted For Down Payments, Closing Costs on investment property loans


DSCR: Qualify Using Only Positive
Cash Flow From Subject Property


Loan Amounts

Up to $726,200*
Up To $3,000,000**

Minimum FICO Score Required


Minimum Down Payment Required

As low as 3%

Information in this chart is applicable to the purchase of an investment property only.

*The Federal Housing Agency based on single unit as of January 1, 2023. Quontic Bank is not affiliated with or acting on behalf of or at the direction of FHA, VA or the Federal Government.

**The max amount of $3,000,000 is for Lite Doc and Asset Utilization programs only. A loan amount up to $3,000,000 requires minimum 30% down payment with a minimum FICO of 700, OR minimum 35% down payment with a minimum FICO score of 680 for qualified applicants.

***20% down payment requires a minimum 700 credit score and has a maximum $2MM loan amount.

Designed with your investment in mind

Unique loans tailored for property investors

Can be used to purchase condos, planned unit developments and 1⁠-⁠4⁠-⁠unit buildings

Borrowers can use Gift Funds for downpayment and closing costs

Recognized as a top mortgage lender

Quontic employs some of the best mortgage specialists in the industry. With decades of experience across various types of loan programs, our mortgage specialists are uniquely capable of helping you find your ideal loan to purchase your next real estate investment property. Your specialist will walk you through every step of the process as you apply for a Non-Traditional Mortgage, answering any questions you have along the way in an easy-to-understand manner. With hundreds of 5 star reviews from our customers, you can feel confident when you trust a Quontic mortgage specialist with your real estate investment loan needs.

Debt-service coverage ratio loan

Real estate investors can opt for Quontic’s debt-service coverage ratio loan to finance the purchase of an investment property. To qualify for this type of loan, you’ll use the income from the investment property and can finance up to 75% of the property value up to $2 million. There’s no need to show us a tax return, W2, bank statement or income statement. Our mortgage specialists will help guide you through the process so you can focus on what matters most: getting your new property rented out and making a profit.

Frequently Asked Questions

The first step is to get pre-qualified. Tell us more about you in 60 seconds or less so we can connect you with a Quontic mortgage specialist. https://www.quontic.com/mortgages/cdl-mortgage-prequalify-investors/
Gift funds are monetary gifts a borrower receives from generous relatives to use towards the down payment and/or, possibly, other costs associated with purchasing a home. Funds received from grants or financial assistance companies cannot be used as gift funds. To learn more about gift funds, check out our guide “Using Gift Funds For A Down Payment”.

Yes, Quontic accepts 100% Gift Funds for down payment and closing costs for our Non-Traditional Mortgages for eligible applicants.

Depending on which loan program you qualify for, you can have as little as a 20% down payment to own a home.

Depending on which loan program you qualify for, a statement of income may not be required.

No tax returns or W2s are needed to qualify for our Non-Traditional Mortgage.

At Quontic, you’re more than just a loan application. We value all our customers’ diverse situations and embrace them with specialized mortgages made to fit their needs. Plus, in addition to being registered to lend in all 50 states, we offer a diverse and multi-lingual sales team, an experienced Mortgage Specialist at every step and convenient and helpful customer service.

Getting pre-qualified for a mortgage helps you understand how much home you can afford and shows that you are a serious buyer. It also helps you find a lender that can work with you to select the right home loan with an interest rate that fits your needs.

Mortgage rates can change every day. For the most current rates, please provide your contact information and we’ll have a mortgage specialist contact you. https://www.quontic.com/mortgages/speak-to-mortgage-specialist/
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1All lending products are subject to approval. Rates, program terms & conditions are subject to change without notice. Not all products are available in all states or for all amounts. This does not represent an offer to enter into a loan agreement. Other requirements, restrictions & limitations apply. Information is accurate as of July 29, 2022 & is subject to change without notice.

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