Can I Still Get a Loan for an Investment Property Before 2026? (Yes you can! and Here’s How)

Table of Contents

• Why Investors Are Rushing to Close Before 2026
• Loan for Investment Property: Best Options in November
• How to Speed Up the Approval Process
• Real Use Cases: Who’s Getting Approved Right Now?
• FAQs: November/December Investment Property Loans

Why Investors Are Rushing to Close Before 2026

As 2025 winds down, strategic real estate investors are moving fast to close on investment properties before the year ends. Here’s why:

• Tax benefits: Closing before December 31 lets you deduct interest, origination fees, and depreciation on this year’s return.
• Motivated sellers: Many want to close before Q4 ends, leading to better deals.
• Reduced competition: With fewer buyers in the market, you gain leverage in negotiations.
• Lender momentum: Lenders are pushing to hit year-end funding goals, meaning faster closings and flexible terms.

Loan for Investment Property Best Options in November

For investors looking to close quickly and without traditional W2 documentation, here are the most effective lending options this season.

DSCR Loans

Debt Service Coverage Ratio loans use rental income instead of personal income to qualify.

• No tax returns or W2s needed
• Great for long term rentals and Airbnb
• LLC friendly

Bank Statement Loans

Use 12 to 24 months of bank statements instead of tax returns.

• Designed for self employed buyers
• No traditional income proof required
• Competitive terms with fast closings

Bridge Loans

Short term financing for quick closings on distressed or flip-ready properties.

• Fund in 7 to 14 business days
• Perfect for BRRRR or flip strategy
• Refinance into DSCR later

Mixed Use Loans

For buildings with both commercial and residential elements.

• Ideal for urban or transitional neighborhoods
• May require 25 to 30 percent down
• More flexible than conventional lenders

How to Speed Up the Approval Process

Closing before the end of the year requires focused action. Here’s how to make it happen:

1. Apply for preapproval immediately
   Many lenders can still close in 10 to 15 business days.

2. Have your documents ready

• • Government ID
  • Purchase agreement
  • Property address
  • 12 to 24 months of bank statements
  • LLC documents, if applicable

1. Choose an investor friendly lender
   Not all lenders offer DSCR, bridge, or bank statement programs. Work with one that specializes in real estate investing.

2. Stay responsive
   Delays often happen when borrowers go dark. Stay on top of emails and requests to keep things moving.

Real Use Cases Who Is Getting Approved Right Now

Here are examples of investors successfully closing deals this month.

Self Employed Consultant in Florida
Used bank statement loan to buy a duplex. Closed in 13 business days with no W2s.

Investor in Texas Flipping a Townhome
Used a bridge loan to buy at auction. Plans to refinance into DSCR by March.

First Time Investor in Ohio
Purchased a fourplex using DSCR with only rental estimates. Closed through LLC.

Business Owner in Arizona
Acquired a mixed use building with 30 percent down through a specialty lender. Bank statement loan used for qualifying.

These are regular investors using the right tools at the right time.

FAQs About Investment Property Loans

Final Thoughts

You can still get a loan for investment property in November or December. But you have to move fast. From tax benefits to seller discounts and fast funding, the time to act is now.

Let our team help you secure the right financing so you can enter 2026 with an income producing property already in your portfolio.