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Investment property loans provide investors with financing solutions to acquire, refinance, or expand residential or commercial properties, helping maximize returns and long-term growth.
Work with Clopton Capital, a leading commercial mortgage broker, to secure financing for investment properties nationwide. Whether you are looking to acquire, refinance, cash out, or renovate, we provide tailored investment property loans and access to a wide network of lenders offering competitive rates and flexible terms.
Investment property loans are designed to help investors generate income from rental or commercial real estate. The borrower receives funds from the lender to acquire, improve, or refinance a property. Rental income or other property revenue is used to repay the principal and interest.
Loans can be recourse or non-recourse:
Recourse Loans: Borrowers remain personally liable if the property sale does not cover the debt.
Non-Recourse Loans: The lender assumes the risk if the property value falls short; the borrower’s liability is limited to the property itself.
If you’re thinking about investing in a vacation rental property but don’t know where to start, we can help.
You also have several options for repayment terms, including a 10 year fixed term or an adjustable rate mortgage with rates from 3-6% APR. If you need more time to repay your loan, there is even a 15 year option available at 4%. However long you decide on, Clopton promises no hidden fees or interest charges!
If you’re in the market for a college investment property, working with a real estate professional is the best option. It’s important to remember that not all loans are created equal; therefore, choosing the right type of loan takes some research. The type of loan that would be best for a college investment property would be either an investment property loan or a rental property loan.
College investment properties are considered more risky than rental properties because they require more money up front and can never be sold on the open market if you want to get your initial investment back. If you do go this route, make sure to get at least 20% down and make calculated decisions about debt and interest rates (we’ll talk about these later).
Looking for a loan for rental propertY? If you want more control over your investing, investing in rental property may be for you— and a loan for rental property can help you achieve it. Rental property loans can help finance the purchase or construction of a rental building or home. You can also take advantage of tax benefits when you invest in real estate through an investment program like Clopton Capital’s Property Investment Program (PIP). Rental income will generate monthly cash flow while appreciating asset values provide long-term wealth protection and growth opportunities.
Follow these steps to simplify the loan process:
Prepare Documentation: Income statements, tax returns, and property details.
Review Loan Terms: Understand rates, repayment options, and any prepayment conditions.
Submit Application: Provide financials, property info, and entity documents.
Approval & Funding: Once approved, funds are released for your acquisition, refinance, or improvement project.
Minimum 20% down payment (varies by lender and property type)
Good credit score and manageable debt-to-income ratio
Proof of income and financial stability
Property must meet local community and building guidelines
Terms can range up to 24 years depending on property type and loan structure
Investment property loan rates vary by property type, borrower qualifications, and loan term:
Borrowers with strong credit (700+) may qualify for rates around 5%
Lower credit borrowers may see higher rates (up to 13%)
Rates are influenced by loan structure, LTV, and property type
Note: The rates shown above are approximate illustrations based on market conditions as of January 2026. Actual interest rates for investment property loans are set by lenders at the time of application and can vary with changes in the credit markets, borrower profile, property type, loan structure, and economic conditions. Always consult your lender or broker for current rate quotes.
No Maximum Portfolio Limits: Borrow as much as needed for multiple investment properties.
Nationwide Coverage: Financing available for properties across the U.S.
Competitive Rates & Terms: Tailored loan solutions to meet investment goals.
Transparent Fees: Fixed pricing with no hidden costs.
Experienced Support: Guidance from application through funding, ensuring smooth and efficient processing.
Clopton Capital combines expertise with real-world investment insight, making us a trusted partner for securing your investment property financing.
We offer fixed fees and prices, so you can budget your costs accurately. We also have a wide range of loan products to choose from, so you can find the perfect loan for your needs.
Fast, flexible financing solutions tailored to your real estate goals nationwide. Contact Us – 866-647-1650
A good investment property interest rate depends on your credit profile, property type, loan term, and LTV. Borrowers with strong credit (700+) often qualify for rates around 5%, while those with lower credit may see higher rates up to 13%. Fixed-rate loans offer predictable payments, whereas adjustable-rate options may start lower but can change over time. Clopton Capital works with lenders nationwide to help match your situation with competitive, realistic rates for your investment property financing.
Note: Rates mentioned were last updated in January 2026 and may change based on market conditions.
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.
Good rental property investments often include duplexes, triplexes, and small multifamily units because they can provide faster returns on investment (ROI), sometimes up to 50% annually. Single-family homes can also be solid investments, especially for long-term holding and rental income, though they may require more upfront capital and take longer to sell. When evaluating properties, focus on growing neighborhoods, strong rental demand, and development trends. Investment property loans with low down payments—even as low as 3% with certain lenders—can make these opportunities accessible to a wider range of investors.
Note: Information and financing options were last updated in January 2026 and may change with market conditions.
Chicago based Clopton Capital is a national commercial mortgage broker dedicated to matching borrowers interested in multifamily, industrial, commercial, & mixed-use real estate to lenders aligned exactly with their needs for asset-backed funding.
Commercial Insurance Products are offered through Clopton Insurance Services, LLC.
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