Build Wealth Through Real Estate

Turn properties into long-term income and opportunity

Purchasing an investment property is one of the most powerful ways to build long-term wealth—and having the right financing strategy makes all the difference.


Whether you're buying your first rental property or expanding your portfolio, The Sharpe Mortgage Team helps you navigate your options with clarity and confidence.

What Qualifies as an Investment Property?

An investment property is a home you purchase with the intention of generating income—either through long-term rentals, short-term rentals, or future resale.


This can include:


  • Single-family rental homes
  • Multi-unit properties
  • Vacation or short-term rental properties
  • Fix-and-hold opportunities

What to expect with Investment Property Financing

Financing an investment property is different from a primary residence, but with the right guidance, it can be a smooth process. Below are a few key differences:

More upfront investment, stronger foundation

Investment properties typically require a larger down payment than a primary home—often in the 15–25% range depending on the property type and loan program. This added equity helps reduce lender risk and can also strengthen your overall loan profile.

Your financial profile matters more here

Lenders take a closer look at your credit when financing an investment property. A strong credit score and clean financial history can help you qualify for better terms and position you as a more competitive borrower.

Your property can help you qualify

One of the advantages of investment properties is that rental income may be used to help you qualify. Depending on the scenario, lenders can factor in current lease agreements or projected rental income to support your approval.

Slightly higher, but still strategic

Interest rates on investment properties are typically slightly higher than those for primary residences. This reflects the additional risk associated with non-owner-occupied homes, but the right loan structure can still make your investment work in your favor.

OUR TEAM CAN WALK YOU THROUGH OUR

Loan Options for Investment Properties

Conventional Loans


A strong option for investors with solid credit and financials, conventional loans are ideal for long-term rental properties. They offer competitive rates and predictable terms, making them a reliable choice for building steady income over time.

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DSCR Loans


Debt Service Coverage Ratio (DSCR) loans focus on the income the property generates, not your personal income. This makes them a great fit for investors looking to scale their portfolio or for those whose tax returns don’t fully reflect their cash flow.

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Portfolio Loans


Portfolio loans are designed for investors who may not fit traditional lending guidelines. These loans are held by the lender rather than sold on the secondary market, allowing for more flexibility in terms, qualification, and property types.

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Cash-Out Refinancing


If you’ve built equity in a current property, a cash-out refinance allows you to access those funds and reinvest them into additional properties. It’s a common strategy for growing your portfolio without needing to save for another full down payment.

Learn more

Investment Property FAQs

Get clear answers to common questions about buying investment properties in Winston Salem and the Triad. Understand market trends, financing options, and the steps involved to make informed decisions.

  • What financing options are available for investment properties?

    Investment property loans often require higher down payments and stricter credit requirements than primary residences. Conventional loans, portfolio loans, and private financing are common options. Our team helps identify the best fit based on your financial profile.

  • How do market trends affect investment property purchases?

    Local market trends in the Triad, such as rental demand and property appreciation rates, influence investment potential. Staying informed on neighborhood developments and economic factors helps you target properties with strong returns.

  • What are the key steps in buying an investment property?

    The process includes pre-approval, property search, offer submission, inspections, and closing. Each step requires careful evaluation to ensure the property meets your investment goals and financing criteria.

  • Can I use the same loan for multiple investment properties?

    Yes, but lenders often limit the number of financed properties per borrower. Portfolio loans or specialized financing may be necessary for multiple investments. We assist in navigating these options to expand your portfolio.

  • How does The Sharpe Mortgage Team support investment buyers?

    We provide tailored loan solutions, market insights, and personalized guidance throughout your investment purchase. Our expertise in the Winston-Salem area ensures you access competitive rates and financing strategies.

Let’s Build Your Investment Strategy

Whether you're just getting started or looking to scale, we’re here to help you make smart, informed decisions.


Let’s talk through your goals, run the numbers, and create a plan that works for you.