Investment Property

Investment Property Overview


 With maximum loan amounts up to $2 million, FICO scores as low as 620, and unlimited number of financed properties, the Investment product may be just what you need to finance your investment properties. Our Investment Property, or non-owner occupied programs, are just one more way that we bring innovative solutions to the mortgage marketplace. 

We also offer the use of Bank Statements in lieu of tax returns for Self Employed borrowers, and can even use the Cash Flow of the property for income documentation. 

Investment Property Purchase


  • Up to $2MM Loan Amount
  • Minimum Loan Amount $100k
  • Up to 85% LTV
  • Borrower may own unlimited financed properties
  • Minimum 620 Credit Score
  • 5/1 ARM or 30 Year Fixed Rates
  • Single Family Residence and Condos, including both warrantable and unwarrantable (condotels) are acceptable.
  • Can use 1 or 2 year Bank Statements instead of tax returns to qualify
  • Can use Cash Flow of the property to qualify instead of personal income



Up to 85% Rate & Term Refinance

Up to 80% Cash Out Refinance

Investor Cash Flow Program



Southchase Mortgage’s Investor Cash Flow program is a great way to add to your investment Portfolio by qualifying based on property cash flow.  The closing process is easier since complicated income statements and tax returns are not required. No personal income is needed, up to 80% LTV, no DTI restrictions and loans up to $1.5 million are a few highlights. Eligible borrowers may now elect a 10-year interest only period with a 40 Year term.

· Now available with a 10 Year Interest Only Period and 40 year Term!

· 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu

· Up to 80% LTV · No Debt to Income restrictions

· 1-4 units and condos

· Loans up to $1.5 million

· Credit scores down to 660

Contact Us


 NMLS# 193181

Southchase Mortgage

22394 Miflin Road, Suite 201A, Foley, AL 36535

(251) 625-0444


Monday - Friday: 8am - 8pm

Saturday: 8am- 8pm

Sunday: 8am-8pm

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