Best Conventional Lenders in Washington (2026)

Compare conventional lenders serving Washington real estate investors. Browse nationwide conventional lenders available to Washington investors.

Investing in Washington

No State Income TaxStrict Regulations

Seattle tech economy drives strong appreciation. No state income tax. Tacoma and Spokane offer more affordable entry. Washington has strict landlord-tenant laws — know the rules.

Key Markets

SeattleTacomaSpokaneBellevue

Typical Rates

6.0%–7.5%

Max LTV

75%–80%

Typical Terms

15 or 30-year fixed

Min Credit

680–720

About Conventional Investment Property Loans in Washington

Traditional Fannie Mae/Freddie Mac-backed mortgages for investment properties. The lowest rates available for investors, but require personal income qualification and are limited to 10 financed properties.

Washington real estate investors use conventional investment property loans for investors with strong w-2 or documented income and first 1–10 investment properties. Washington's lack of state income tax makes rental property returns even more attractive when combined with conventional financing.

Other Loan Types in Washington

Conventional Lenders in Nearby States

Analyze Your Washington Deal

Use our free calculator to see if your Washington investment works with Conventional financing.