Investment Property Loans
Financing solutions for your real estate investment strategy
Turn Real Estate into Income and Investment
Purchase real estate that can double as a long-term investment and an income stream to diversify your business. We can provide financing if you have found a good property. Federal Capital PLC offers an assortment of credit programs for private venture property.
Our Investment Property Loan Options
Residential Investment Loans
Financing for single-family homes, condos, townhouses, and small multi-family properties (2-4 units).
- Competitive rates starting at 4.25%
- Up to 30-year terms available
- Financing up to 80% LTV
Commercial Property Loans
Financing for office buildings, retail spaces, industrial properties, and multi-unit apartment buildings.
- Flexible terms from 5-20 years
- Loan amounts from $250,000 to $10 million
- Competitive rates based on property type
SBA 504 Loans
Government-backed loans for purchasing, constructing, or refinancing owner-occupied commercial real estate.
- Up to 90% financing available
- Below-market fixed interest rates
- Longer amortization periods (20-25 years)
Why Choose Our Investment Property Loans?
At Federal Capital PLC, we understand the unique needs of property investors. Our investment property loans are designed to help you build your real estate portfolio while providing competitive rates and flexible terms.
Competitive Advantages
MANAGE THE NEEDS OF A NEW OR EXPANDING BUSINESS
RECEIVE COMPETITIVE INTEREST RATES BASED ON THE PRODUCT AND TERM
SELECT FROM SBA LOANS THAT ASSIST WITH NEW BUSINESSES
Key Features
• Loan amounts from $100,000 to $10 million
• Competitive fixed and variable rate options
• Flexible terms to match your investment strategy
• Fast approval process with minimal documentation
• Dedicated loan officer to guide you through the process
Our Core Values
- INTEGRITY AND HONESTY
- LOYALTY
- TEAMWORK
- COMMUNITY
- ACCOUNTABILITY
- EXCELLENCE
- CONFIDENTIALITY
- RELATIONSHIP
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Frequently Asked Questions
What's the difference between a residential and commercial investment property loan?
Residential investment loans are designed for properties with 1-4 units (single-family homes, duplexes, etc.) and typically have longer terms, lower rates, and are underwritten based on the borrower's personal credit and income. Commercial investment loans are for properties with 5+ units or non-residential buildings (office, retail, etc.) and are primarily underwritten based on the property's income and cash flow.
What documents will I need to apply for an investment property loan?
Typically, you'll need to provide personal financial statements, tax returns for the past 2-3 years, property details including current leases and rental income, a business plan for the property, and details about your experience with investment properties. For commercial loans, we'll also need property financials including income and expense statements.
What are the typical down payment requirements?
Down payment requirements typically range from 20-30% for most investment properties. Residential investment properties usually require a minimum 20% down payment, while commercial properties may require 25-30%. SBA 504 loans offer the advantage of lower down payments, typically around 10%.
How are interest rates determined for investment property loans?
Interest rates for investment property loans are influenced by several factors including the loan-to-value ratio, property type, credit score, loan term, property location, and overall market conditions. Generally, investment property loans carry slightly higher rates than owner-occupied residential loans due to the increased risk.
Ready to expand your real estate investment portfolio?
Our team of experts is here to help you find the right financing solution for your investment strategy.
