Investment Property Loan Financing

Lower property values and historically low mortgage rates have made it an excellent time to consider investing in real estate. And at Smart Mortgage Centers, we're here to assist you with all of your residential investment property financing needs.

We finance most types of 1-4 unit rental properties in Illinois. We offer conventional fixed rate mortgages, adjustable rate loans, and non-conforming jumbo loans for higher end properties.

Give a call today at 888-416-0920 for a free, no obligation consultation. If you're simply looking for a rate quote, please complete the Quote Form on this page and we'll follow-up with you with pricing for your unique scenario.

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What is considered an investment property?

There is a wide variety of residential properties that would need to be financed with an investment property loan. Some of these include:

  • Long term rental properties. Have you considered being a landlord? With many people exiting the housing market due to foreclosure or market uneasiness there are more and more people looking to rent a home. You can also consider looking for an investment property near a college or university where there will be students looking for housing.
  • Short term vacation rental properties. Buy that dream retirement home now and get to enjoy it on vacations while it generates income the rest of the year! (Check with your tax professional about limitations on your own use of investment homes.)
  • A home purchased near your primary residence. If you already own a home (and do not intend to sell it or rent it) and purchase another property you will likely need to obtain a second home mortgage or an investment property loan. In general unless you are near a resort or vacation community if your additional property is near your primary residence it must be financed by an investment property mortgage.

Contact Us About Our Investment Property Mortgages

Contact your Smart Mortgage Centers loan consultant to learn more about the investment property financing process. Whether this is your first rental or an addition to a portfolio of real estate, our experienced professionals are ready to assist you every step along the way. Reach them at 888-416-0920. If you already have an investment property loan be sure to ask if we can lower your interest rate through a refinance.


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