Financing Info

We primarily work with conventional loans to unlock exclusive rate incentives, but we’re happy to accommodate additional programs, including:

• VA loans (ideal for house hackers)

• FHA loans

• DSCR and other investor-focused loans

Our team will help you choose the option that best fits your goals and investment strategy.

One of the biggest advantages of investing with Invest 5S is access to exclusive, below-market financing through our preferred lending partner.

Here’s how the 3.75% rate works:

• Loan Type: Conventional 10/6 ARM

• Product: Fannie Mae / Freddie Mac

• Amortization: 30 years

• Initial Rate Period: Fixed for the first 10 years

• Adjustment: After year 10, the rate may be adjusted every six months

• Prepayment Penalty: None

• Points: Zero points paid by the buyer — seller pays all points

• Down Payment: 25% (per Fannie/Freddie guidelines for 2–4 unit properties)

This program is designed specifically for duplex and fourplex investment properties in Texas, helping investors secure strong cash flow while preserving capital. 

Prefer a 30-year fixed rate? That option is available as well (typically around 4.625%, market dependent).

When you close with our preferred lender, you’re automatically enrolled in a Rate Rebound Program:

• Free refinance within 5 years

• No lender fees

• $1,000 credit toward third-party costs (such as appraisal)

This gives investors the opportunity to capitalize on future rate improvements without unnecessary costs.

To access special rates and incentives, buyers must apply through our preferred lender. The application process is the same as any conventional mortgage—simple and transparent.

Preferred Lending Partner: Chad Emerson – CMG Home Loans