Can I Still Get a Loan for an Investment Property in 2025? Yes — Here’s How to Move Fast This November

Table of Contents

• Why November Is the Best Time to Invest
• Best Loan Options for Investment Property Right Now
• How to Qualify Fast Before Year-End
• Real-World Investor Scenarios
• FAQs About Investment Property Loans – November Edition

Why November Is the Best Time to Invest

If you’re asking whether it’s too late in the year to finance an investment property, the answer is: absolutely not.

In fact, November and early December present some of the best financing conditions of the year:

• Sellers are motivated to close before year-end
• Lenders are pushing to meet Q4 volume targets
• Less competition from casual buyers
• Tax benefits if you close before December 31

Whether you’re looking to build rental income or make your first flip, now is the time to act.

Best Loan Options for Investment Property Right Now

Depending on your income structure and investment style, here are the most popular (and accessible) loan options this November:

DSCR Loans

Focuses on rental income rather than personal income.

• Great for landlords or Airbnb investors
• Works well for LLC-owned properties
• Minimal documentation required

Bank Statement Loans

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

• Ideal for self-employed investors
• Fast closings (typically 14–21 business days)
• Can qualify even without a W-2

Bridge Loans

Short-term loans used to acquire properties quickly and refinance later.

• Excellent for flips, distressed properties, or BRRRR strategy
• Often funded in under 10 business days
• Doesn’t require full underwriting upfront

Mixed-Use Property Loans

For properties that have both commercial and residential space.

• Useful for downtown or redevelopment areas
• Requires additional documentation
• Down payment may be higher (25–30%)

How to Qualify Fast Before Year-End

Here’s how to move quickly and close before 2026 hits:

1. Decide on your loan product (DSCR, bank statement, etc.)

2. Get pre-approved this week — it’s the #1 time-saver

3. Prepare docs:

• • Driver’s license
  • Bank statements (last 12–24 months)
  • Entity docs (if buying under LLC)
  • Property rental estimates or pro forma

1. Work with a responsive lender who handles investors

2. Lock your rate early — especially before holiday slowdowns begin

Many lenders reduce hours during late December, so submitting everything in November ensures you’re ahead of the queue.

Real-World Investor Scenarios

Here are examples of who’s closing investment property loans this month:

• Ashley from Texas — used a DSCR loan to buy her second rental in San Antonio, closed in 13 business days.
• Kris & Dana, self-employed consultants — used a bank statement loan to qualify for a duplex in Georgia, no tax returns required.
• Mark, a first-time investor — used a bridge loan to secure a distressed property at auction and plans to refinance with a DSCR loan in February.

These aren’t special cases — they’re normal investors using smart tools and fast lenders.

FAQs About Investment Property Loans – November Edition

Final Thoughts

November isn’t too late,  it’s the perfect time to act.

You can still:

• Get pre-approved fast
• Close before 2026
• Set up cash flow before Q1
• Write off interest, costs, and depreciation on your 2025 taxes

Let our team at Investment Property Loan Exchange help you match with the right loan for your goals.