Investor Edge 90: 10% Down Investment Property Loans

 

Qualified real estate investors looking for an investment property loan in Oklahoma may be able to purchase with as little as 10% down through Investor Edge 90.

The program is designed to help investors expand their portfolios while preserving more of their available capital for reserves, property improvements, and future opportunities.

Can you buy an investment property with 10% down?

Investor Edge 90 offers up to 90% loan-to-value financing on eligible investment properties. This means qualified borrowers may be able to purchase with a down payment as low as 10%.

Program highlights include:

  • Loan amounts up to $1.5 million

  • No mortgage insurance

  • Potential eligibility for investors with up to 50 financed properties

  • Interest-only options for eligible borrowers

  • Up to 85% loan-to-value financing for two- to four-unit properties

Eligibility and the required down payment depend on the complete loan application, property, loan amount, and current program guidelines.

Why might a lower down payment help an investor?

Using less cash for the down payment may allow an investor to maintain stronger reserves or keep funds available for renovations, furnishings, repairs, or another purchase.

For example, the difference between 10% and 20% down on a $500,000 investment property is $50,000. That calculation does not include closing costs, required reserves, or other loan expenses, but it illustrates how the financing structure can affect the amount of capital an investor retains.

A lower down payment also produces a larger loan balance, so investors should carefully compare the monthly payment with the property’s expected income and operating expenses.

What types of investment properties are eligible?

Investor Edge 90 may be available for eligible:

  • Attached and detached single-family homes

  • Two- to four-unit properties

  • Planned unit developments

  • Warrantable condominiums

  • Rural properties

Condominium, rural property, and other property-specific requirements should be reviewed before making an offer.

What are the borrower requirements?

Investor Edge 90 is limited to investment property financing and requires full documentation. The lender will review qualifying income, assets, credit, existing financed properties, and any applicable reserve requirements.

Investors who plan to use rental income from the new property to qualify must currently own a primary residence.

The program may accommodate investors who already have up to 50 financed properties. This means investors with larger portfolios may be eligible. It does not mean one loan will finance 50 properties.

How does the interest-only option work?

An interest-only payment option may be available to eligible borrowers. During the interest-only period, the borrower makes the required interest payments without reducing the principal balance.

When that period ends, the payment is recalculated to include both principal and interest for the remaining loan term. Investors should evaluate the future payment, not only the initial interest-only amount.

Explore your investment property financing options

Investor Edge 90 may give qualified Oklahoma real estate investors a way to purchase an eligible property with less cash upfront.

If you are considering an investment property in Tulsa or elsewhere in Oklahoma, contact Oklahoma Mortgage Group. We can review the property, your existing portfolio, and your long-term goals to determine whether Investor Edge 90 may be an appropriate option.

Program terms, eligibility requirements, and property restrictions apply. Minimum down payment and maximum loan amount vary based on program guidelines. No mortgage insurance does not mean no homeowners insurance, closing costs, reserves, or other loan expenses. Subject to credit approval. Not a commitment to lend. Programs are subject to change or withdrawal without notice.



Location: Tulsa, OK, USA

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