1 - 4 unit Property
Loans

Loans For 1 - 4 unit Properties From Clopton Capital

Our team of seasoned real estate investors is dedicated to helping you meet your financing goals. We’ve developed advanced technology designed to make securing a loan as seamless and efficient as possible.

How to Apply

Applying for a 1- 4 unit property loan with us is a fast and efficient process. You simply need to click on the apply link below, create a login, and navigate through the prompts. Once you have completed the online application, a representative will reach out to you with next steps. You should be able to get loan terms and quotes in as little as 24 hours.

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Fix & Flip

Short-Term Rental

Finance up to 90% loan to cost
Single-family & multifamily properties
No Prepayment Penalties
Close in as little as 5 business days

Finance up to 75% loan to value; 70% for cash-out
Single-family & multifamily properties
Low or No Prepayment Penalty options
Must be listed on Airbnb, VRBO, or similar

Bridge

Rental Properties

Finance up to 75% loan to value; 65% for cash-out
Single-family & multifamily properties
No Prepayment Penalties
Multi-year bridge loan

Finance up to 80% loan to value; 75% for cash-out
Single-family & multifamily properties
Low or No Prepayment Penalty options
Minimum DSCR 0.75

Construction

Rental Portfolios

Finance up to 85% loan to cost; 65% of the value after completion
Single-family, townhomes, and ADUs
No Prepayment Penalties
Draws fund in as little as 1 business day

Finance up to 75% loan to value; 70% for cash-out
Single-family & multifamily properties
Low or No Prepayment Penalty options
Minimum of 3 properties

Get A 1 - 4 unit property loan With Clopton

Investment Property Loans FAQ

What Is A Good Investment Property Interest Rate?

Currently, the interest rates for investment loans for real estate are around 5%. This is a great rate for those looking to invest in a property. Keep in mind that the interest rate may change, so be sure to check with a lender to get the most up-to-date information.

Which Types Of Property Can I Buy With Property Loans?

Loans for investment property can be used for the purchase of commercial, industrial, and multi-family residential properties.

The main difference between an investment property loan and a residential one is that the former requires more cash down. By contrast, it’s easier to qualify for loans on owner-occupied homes with only 20% or even less required upfront.

What Kinds Of Rental Properties Are Good Investments?

It’s often wise to invest in duplexes and triplexes because they provide the fastest return on investment (ROI). The ROI can be as high as 50% annually. Houses also make for good investments, but they tend to be more expensive and take longer to sell, so rent houses out rather than buy them. Conventional houses, purchased with conventional loans generally, are best for holding onto for long periods of time because their low down-payment rates make them easier for people without much income.

When searching for a property to invest in, always look for areas that are growing. You can also ask your real estate agent about developing trends in the area where you’re interested in investing. Another thing to take into account is how much money you’ll need up front. Many people mistakenly think that all investments require a lot of money down, but this isn’t always true. In fact, there are some lenders who will give you an investment property loan with only three percent down. So if you have been thinking about investing in real estate, now may be the perfect time!

1 - 4 unit Property Loans