Want to pad your portfolio or cash in on rental income? Whether you’re a first-time real estate investor or you’ve already got tenants on speed dial, Utah First Credit Union makes investment property loans feel less like stress and more like “heck yes!” through simple, flexible financing.
With competitive rates and a local team that has your back, turning real estate dreams into reality has never been easier or more rewarding!
Stocks go up and down, but brick and mortar has staying power. Rental income, long-term appreciation, and sweet tax advantages make real estate one of the smartest ways to put your money to work!
Rental properties are a smart play for building wealth you can see, touch, and improve — and when you finance through Utah First, you get a lender who’s invested in your success, too!
Every investor has a different game plan. You might be buying your first rental home, flipping a fixer-upper, or adding a ski condo to Airbnb. Whatever your vision, we’ve got flexible loan options to match:
Utah First investment property loans cover just about every kind of income-maker:
From first-timers buying a second home to seasoned landlords stacking their portfolios, we’ve got the financing to match your hustle.
Utah First isn’t just another lender. We’re locals, neighbors, and partners who make sure your real estate goals feel doable! When you work with us, you get:
When you’re down for the next step, here’s how to get started with Utah First’s investment property financing:
Real estate investing is about freedom, security, and doing it with a partner who gets it. Whether you’re stacking properties, cash flow, or thinking of your future, Utah First makes it easier to invest like a pro wherever you are in your journey.
With our investment property mortgage options, low rates, and local guidance, you’ll have everything you need — plus a little orange confidence — to make smart moves in the real estate market, one front door at a time.
If you’ve got the vision, we’ve got the funding. Apply online, swing by a branch, or call us up — whatever gets you closer to that next property. We’ll simplify, strategize, and celebrate every step!
A primary mortgage is for your home-sweet-home, while an investment property loan is for properties you’ll rent out. Investment property loans might have slightly higher interest rates, but the payoff is monthly income and long-term value.
Plan for a bigger down payment of around 15–25% for investment property mortgages. Lenders want to see you’ve got some skin in the game. It shows you’re serious about the property and sets you up for stronger returns down the road. But don’t stress! We’ll walk you through your options.
Totally! Projected rental income can help boost your qualifying power. We’ll crunch the numbers with you so it works in your favor during the approval process.
There’s no magic number. There are guidelines, and each property has its own approval process, but we work with first-timers to seasoned pros with multiple doors in their portfolio to keep you expanding in a way that benefits you.
It depends on your situation, but our local process is designed to move fast. Because our lending team is local, investment property loan approvals move quickly — usually much faster than the big guys (days, not months)! We’ll keep you in the know every step of the way.