An investment property loan is a mortgage for the purchase of an income-producing property. That includes buying properties to generate rental income or to renovate and sell for a profit (more commonly known as house flipping). There are also short-term hard money investor loans, allowing you to buy properties you plan to repair and sell quickly.  Investor loans require higher credit scores (700+) and higher down payments, typically 20%.  The term “investment property” can apply to everything from a one-unit condominium to a high-rise commercial building in a city.  There are several investor loan programs which require NO PERSONAL INCOME and is based on the property cash flow.