Investment Properties & Second Homes

Grow your portfolio or find your getaway with flexible financing options.

Whether you’re building wealth through real estate or looking for a personal getaway, financing an investment property or second home is different from buying a primary residence. These loans are tailored to help you purchase properties that generate income or provide a lifestyle upgrade, with options that fit your financial goals and ownership plans.

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Investment Properties & Second Homes Loans Are Good For:

This loan type is ideal for buyers planning to rent out a second property, expand a real estate portfolio, or purchase a vacation home. It’s also a great fit for borrowers with strong credit who are focused on long-term property value and wealth building.

Investment Properties & Second Homes Loan Details

Investment and second home loans are conventional mortgages. Investment property loans are for homes you plan to rent out, while second home loans are for properties you will occupy part-time but not use as your primary residence.

Second home loans usually require a minimum of 10% down. Investment property loans may require 15% to 25% down, depending on the property type and number of units. Larger down payments can help secure better rates and terms.

For investment properties, you may be able to use projected rental income to help qualify. Lenders often request a lease agreement or an appraisal with a rental income analysis as part of the process.

Second homes and investment properties have different guidelines and long-term implications. A loan officer can walk you through the financing options, help estimate cash flow or occupancy rules, and find the loan structure that fits your needs.

Not the Loan You Were Looking For?

Secure Financing for Your Investment Property or Second Home At One of Our Branches

From beach houses to rental duplexes, financing a second property is easier with the right team on your side. Our loan officers understand the ins and outs of both investment and second home loans and can help you find a solution that supports your goals. Let’s connect and take the next step.

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We Let Our Clients Do The Talking

We aren’t lying about our service. When it comes to customer service, you get the Absolute best. See what our past and current clients have to say!

John Esposito

Communicated clearly and efficiently throughout the entire process. Always available to answer any questions that we had.

Mar/22/2022

Ilham Had

It couldn’t be any better! Thank you.

Mar/22/2022

Vivek Shah

Mr. Sharif made the process very smooth. He explained me the whole process very well. My closing was after 2 months and the interest rates were going up and the sharif guided me to lock the lower rates for two months. Other lenders were not ready to …

Mar/22/2022

Mereena Ceril

It was easy and pleasant to work with Rohit.

Mar/22/2022

Harold Edwin Gaines

They were very professional and made themselves available during our home search. they made the process go smoothly.

Mar/22/2022

Mallikarjun Rao Banda

Rohit Saraogi and Jessica Mastriano have provided exceptional service!

Mar/22/2022

Cecelia LaPoint

Jeff and Kelly kept me up to date on everything throughout the whole process. Answered any questions right away. They were a pleasure to work with.

Mar/21/2022

Elizabeth Barrett Morales

Zephan is the BEST. We had many false starts leading up to our mortgage journey. Zephan patiently waited for us and kept us informed about the market along the way. We know our file was frustrating, but Zeph never made us feel like anything but va…

Mar/21/2022

Giuseppe Castronovo

Zephan put up with my shit for 2 years and about 36 failed contracts

Mar/21/2022

Brian Imbriale

Made it very comfortable and easy to work with

Mar/21/2022

Erik Anderson

Valentina did an amazing job at breaking down the tasks associated with our home buying experience. At each step she walked us through the importance, clearly identified what was expected, and provided additional advisement when there was confusion. …

Mar/21/2022

Satya Putta

Sharif and his team Ana, has been pleasant to work with. He was detailed and competitive in the offering, quick at responding to our needs of getting a pre-approval letter, as we made an offer, and quick at finalizing details to meet the closing date…

Mar/21/2022

Jordan Price

Greg was extremely responsive and answered all my questions.

Mar/20/2022

SVETLANA SYPEN

Great service

Mar/20/2022

John Risitano III

Zephan is very knowledgeable and he knows what he’s doing. He made my whole experience very pleasant, and very stress free. I will recommend Zephan to everyone I know.

Mar/19/2022

Frank A Luna JR

Team was knowledgeable and responsive.

Mar/19/2022

Daniel Rannekleiv

Justin himself was very helpful through a difficult process

Mar/19/2022

Jorge I Pabon

The customer service and follow up was standing

Mar/19/2022

Marta Mroczkowska

His professionalism and understanding of our needs.