Real estate investment loans
Embark on a new venture
Invest & grow with flexibility

Conventional Loans | Community Development Loans | |
---|---|---|
![]() Flexible Income | ![]() | ![]() |
![]() 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 | ![]() | ![]() |
![]() Loan Amounts | Up to $726,200* | Up To $3,000,000** |
![]() Minimum FICO Score Required | 620 | 660 |
![]() Minimum Down Payment Required | As low as 3% | 20%*** |

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 Community Development Loan, 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
How do I get started with a Community Development loan?
What are gift funds?
Does Quontic accept gift funds?
How much of a down payment do I need?
Depending on which loan program you qualify for, you can have as little as a 20% down payment to own a home.
Do I need to verify my income?
Depending on which loan program you qualify for, a statement of income may not be required.
Do I need tax returns to qualify?
No tax returns or W2s are needed to qualify for our Community Development Loans.
Why should I get my mortgage through Quontic Bank?
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.
Why is it important to get pre-qualified for a mortgage?
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.
What are the current mortgage rates?
"The loan team at Quontic Bank was fantastic! They helped me and my family to buy our first house. As immigrants, we have experienced many difficulties and obstacles, but they walked us through the best path and today we can say we own our own house. Highly recommended bank. Thank you."
"My loan officer and his team looked after me from A-Z. I was extremely glad as a person with non-US sourced income to be able to buy my dream apartment in NYC – without Quontic’s focus on niche borrowers like me, I quite simply would not have been able to purchase my new West Village home. Thank you, Quontic!"
“Despite having a substantial down payment and excellent credit score, I was turned down by other institutions because I did not meet their income requirements, so I called Quontic Bank. They specialize in loans that are made for investors or buyers who cannot meet conventional mortgage requirements. Thank you. Quontic.”
"I had a great experience with my loan officer. Everyone was responsive, thorough, and professional. They were able to provide a loan based on my specific needs, which was not possible through other lenders. Highly recommend and will be coming back again in the future."
"Excellent! I can’t believe it, I got my new home on time, 30-years fixed rate and no income check! I live in California, no matter they are in NY, all process we are doing by phone and email. They are professional. They know what documents need and help you to reach it. Thank so much to them!"
Disclaimer:
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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