Specialty Financing

ITIN Investment Property Loans

Financing options for eligible investment-property borrowers using an Individual Taxpayer Identification Number.

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Business-purpose financing

In plain words

Financing for investment properties for eligible borrowers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number.

Eligible property types

  • Single-family homes and 2 to 4 unit investment properties.
  • Condominiums, including some non-warrantable condos.

Financing purposes

  • Purchase.
  • Rate and term refinance.
  • Cash-out refinance for business purposes.

General qualification considerations

  • At least one borrower must have an ITIN and document it.
  • Qualification can use the property's rental income.
  • Credit and recent mortgage payment history are reviewed; some programs accept alternative credit history.
  • Short-term rentals are allowed with some programs.
  • Availability varies by state.
  • Investment properties only. ITIN loans for a home you live in are not part of this financing center.

Basic documentation checklist

Do not send documents through the inquiry form. After we talk, our team explains how to share them securely.

See the full document checklist

  • Proof of your ITIN, such as an IRS letter confirming it, a completed Form W-7, or a letter from your tax preparer.
  • Government-issued photo ID, such as a passport or consular ID.
  • Recent bank statements, shared later through a secure process.
  • Purchase contract or mortgage statement, and the lease or market rent information.
  • Entity documents, if a company will own the property.

Frequently Asked Questions

Can I get an investment property loan with an ITIN?

Yes, some programs accept an ITIN instead of a Social Security number for investment property loans.

Should I put my ITIN on the inquiry form?

No. The inquiry form only asks for basic contact and property details. Identification numbers are collected later through the lender's secure application.

Does this cover a home I will live in?

No. This financing center covers investment properties only.

Learn More

Related programs and tools to help you prepare.

Related programs

Tools and guides

Request financing for this program

Send a short inquiry with the basics about your property. Our team will review it and contact you to discuss available options.

Request Financing Call 516-777-0385

Financing disclosure

Plan A Realty Corp. facilitates business-purpose investment and commercial real estate financing. All programs are subject to lender availability, underwriting requirements, borrower and property eligibility, and applicable laws. Submission of an inquiry does not constitute loan approval or a commitment to lend.

Investment and business-purpose properties only. Homes you or your family will live in are not part of this financing center.

Contact Plan A Realty Corp.