Finance Your Real Estate Portfolio with Sprout Mortgage.

If you’re shopping for a real estate investment loan, you’ve come to the right place!

Sprout Mortgage specializes in mortgage loans for investment properties, including mixed use real estate, REO, and condotel properties.

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While traditional lenders are often reluctant to finance investment properties, we’re proud of our ability to help real estate investors grow their portfolios. As a direct lender we have loan programs that serve a wide range of real estate investors and we offer broader loan qualification options than traditional lenders.

Whether your investment focus is buy-and-hold or fix-and-flip, we take growing your real estate investment assets as seriously as you do and can provide the financing to help you achieve your goals.

Investment Property
Mortgage Loan Options

Debt Service Coverage Loan

Investors can qualify based on the monthly rental revenue from the subject property. Current or anticipated rental income for the subject property is examined to determine if it will cover the monthly mortgage loan payment.

No Ratio Investor Loan

We look at your credit and collateral. No debt-to-income or other ratios are needed to qualify.

Mixed-Use Investor Property Loan

Designed specifically for investor financing of mixed-use (retail and residential) properties.

Choose Sprout Because

We offer lower real estate investment loan rates than hard money lenders, so your investment earnings go further.
Unlike traditional lenders, our mortgage products are crafted specifically for investment property purchase and refinance scenarios.
No income or debt check required.
Our experienced and knowledgeable team provides reliable service every step of the way.

Here’s how a Sprout Mortgage loan can help you build real estate equity by saving you money, compared to a hard money lender loan which costs more in the long run.
Hard Money Lenders

Sprout Mortgage
10 - 12% Avg Interest Rate 7 - 9%
Yes 5/1 ARM Yes
Points Required? 10 - 12% No Points

Real estate investors trust Sprout because we understand investment property mortgage loans. Our sales and underwriting teams work together to ensure your loan receives the attention it deserves, and the timely funding you need.

Savvy investors think of us as part of their real estate team, because we are!


Also Available

Whether you’re a small business owner, yoga instructor, seasonal employee, freelancer/contract employee, or investor, Sprout can help you get a mortgage!

Asset Depletion Loans

Investor Debt Service Coverage

Ideal for individuals with substantial liquid capital (more assets than income), the Asset Depletion program permits borrowers to qualify based on their assets up to 50% DTI.
Designed for those whose income is derived from property rentals. Use the cash flow from your rental property to qualify.

Here’s How We Can Assist You in Buying a Home

Other loan features include:

No Income Testing – qualify on the equity in your property
Highest LTV Options - based on your property's Debt Service Coverage
No W-2, pay stubs, or tax returns required
Interest-Only option available on all loan programs
80% Financing available on properties up to 4 units
Lower Reserve Requirements
Mixed-Use Investment Properties (commercial + residential units)
Financing for Condotel Properties

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