# Investment Property Loan Document Checklist | KREC

*The documents to have ready on day one of an investment property loan: ID, statements, entity documents, purchase contract, leases, insurance and more.*

## The Investor Loan Document Checklist for Day One

The fastest closings start with a complete file. Here's what to have ready before you apply for an investment property loan.

Short answer

For most investment property loans, have ready: government ID, two months of bank or brokerage statements, entity documents if you're borrowing in an LLC, the purchase contract or current mortgage statement, leases and a rent roll for rented properties, an insurance contact, and a scope of work and budget for any rehab.

Key points

- ID, statements and entity documents.
- The contract or current mortgage details.
- Leases, insurance and rehab plans where relevant.

### Everyone

- Government-issued ID
- Two recent months of bank or brokerage statements
- A schedule of real estate owned, if you own other properties; see [lender-ready operations](https://keyrealestatecapital.com/blog/lender-ready-real-estate-business)

### Borrowing in an LLC

- Articles of organization and operating agreement
- EIN letter and certificate of good standing; see [buying a rental in an LLC](https://keyrealestatecapital.com/blog/buying-rental-property-in-llc)

### Buying

- The signed purchase contract and any addenda
- The earnest money receipt
- Your insurance agent's contact details

> Ready to start? Send your scenario and a KREC loan advisor will walk you through the next step. [Talk to an advisor](https://keyrealestatecapital.com/contact)

### Refinancing

- The current mortgage statement and payoff contact
- Leases and a rent roll; see [refinance document checklist](https://keyrealestatecapital.com/blog/refinance-document-checklist)
- The insurance declarations page

### Fix and flip or construction

- Scope of work and line-item budget; see [ten red flags in rehab budgets](https://keyrealestatecapital.com/blog/rehab-budget-red-flags)
- Contractor bid and timeline
- Your track record of past projects, if any

### Frequently asked questions

#### What documents do I need for a DSCR loan?

Typically ID, bank statements for the down payment and reserves, entity documents if you're borrowing in an LLC, the purchase contract or mortgage statement, and leases for rented properties. Personal tax returns usually aren't needed.

#### Do I need tax returns for an investment property loan?

For DSCR loans, usually not. Conventional investment property loans typically require them.

#### What should I prepare for a fix and flip loan?

A scope of work, line-item budget, contractor bid, purchase contract, statements for your down payment and reserves, and details of any past projects.

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### Related Articles

Hard money loans offer fast, flexible financing for real estate investors. Learn how they work, when to use them, and what to expect.

Everything you need to know about fix and flip financing, from loan terms to maximizing your profits on renovation projects.

How DSCR loans qualify a rental on its rent instead of your income: the formula, a worked example, what lenders check and a five-minute self-test.

### Ready to Apply What You've Learned?

Get pre-approved for your next investment property. Fast closings, flexible terms.

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## Article Metadata
- **Headline:** The Investor Loan Document Checklist for Day One
- **Published:** 2026-10-27
- **Author:** Key Real Estate Capital

## Frequently Asked Questions

### What documents do I need for a DSCR loan?

Typically ID, bank statements for the down payment and reserves, entity documents if you're borrowing in an LLC, the purchase contract or mortgage statement, and leases for rented properties. Personal tax returns usually aren't needed.

### Do I need tax returns for an investment property loan?

For DSCR loans, usually not. Conventional investment property loans typically require them.

### What should I prepare for a fix and flip loan?

A scope of work, line-item budget, contractor bid, purchase contract, statements for your down payment and reserves, and details of any past projects.

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