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Investment Property

Q: What types of investment property loans does Royal Credit Union offer?

Royal offers rental property financing for residential investment properties with up to 10 units, as well as business financing options for properties with more than 10 units. Whether you are purchasing a single-family rental home or a multi-unit residential property, Royal's lending team can help identify the right financing solution.

Q: What are the benefits of buying investment property?

Investment properties can provide rental income and potential long-term appreciation in property value. Many investors use rental properties to generate additional monthly income while building equity and growing wealth over time. As with any investment, there are risks and responsibilities to consider.

Q: How are investment property loans different from a regular home mortgage?

Investment property loans often have different terms and structures than owner-occupied home mortgages. For example, 30-year fixed-rate options may not be available. Many investment property loans feature an initial fixed-rate period followed by an adjustable or floating rate period, providing flexibility based on the borrower's needs and investment strategy.

Q: What if I want to buy a commercial or larger investment property?

Royal's business banking team can assist with financing commercial rental properties, multi-family housing, and other business investment properties under $750,000. For larger investment property projects exceeding $750,000, Royal's commercial lending team can help explore available financing options.

Get started investing in real estate when you buy investment property or rental housing with a mortgage

Connect with our loan team
or call 715-833-7251

A mortgage loan from Royal Credit Union can open the door to owning an investment property. Buying real estate can be a great investment, especially if you're looking to purchase a rental property.

Buying Rental Property

You might be looking for another source of income and want to try being a landlord. Renting a property isn’t without its own set of challenges, but it’s an option that potentially could pay off both now and later. The rental revenue can add money to your monthly income now, and any increase in property value can pay off in the long run. We offer rental property financing for buildings with up to 10 units, or business loans for buildings with more than 10 units.

If you’re thinking about buying investment property, connect with our mortgage loan team today. In today's property market, working with an expert at a trusted local lender like Royal can make the difference between getting started in real estate investment or being left behind during negotiations. We can discuss your loan options and rates and find a financing option that works for you.

Looking For A Business Property Loan?

If you're interested in purchasing commercial rental property, multi-family rental housing or other business investment properties, our business lending team can help

Business Investment Property Loans

Frequently Asked Questions

What types of investment property loans does Royal Credit Union offer?
Royal offers rental property financing for buildings with up to 10 units, or business loans for buildings with more than 10 units. Whether you're purchasing a single-family rental home or a multi-unit residential property, Royal's lending team can help you find the right financing option.

What are the benefits of buying investment property?
Buying a rental property can provide multiple financial benefits. Rental revenue adds money to your monthly income now, and any increase in property value can pay off in the long run. While being a landlord does come with its own set of challenges, real estate investment is an option that can potentially pay off both in the short and long term.

How are investment property loans different from a regular home mortgage?
Business property loans are different from most home mortgage loans. One of the key differences is that there isn't a 30-year fixed rate loan option. Instead, there's a lot more flexibility with how to structure things! Business property loans usually have a period where the interest rate is fixed, followed by a period where the rate can change. For example, your investment property loan could have a fixed interest rate for five years and then a rate that can change or "float" for ten years.

What if I want to buy a commercial or larger investment property?
If you're interested in purchasing commercial rental property, multi-family rental housing, or other business investment properties less than $750,000, Royal's business banking team can help. If you’re exploring investment properties more than $750,000, please connect with Royal’s commercial lending team.