A Rental Property Loan from OUCU Financial is used to finance or refinance rental real estate, including new construction or property renovations. Competitive interest rates and flexible terms support a range of real estate investment goals, whether you’re refinancing an existing property or funding a new opportunity.

Rental property financing is available in amounts up to $7 million, with loan terms of up to 30 years. Fixed- and variable-rate conventional investment property loans are offered, depending on borrower qualifications and loan structure.

Eligible properties include single-family, multi-family, and multi-unit rental properties. Financing options are also available for cabins and lodges, including purchase, construction, renovation, or refinancing.

Eligibility for rental property loans is based on several factors, including credit history, debt-to-income ratio, property value, and overall financial strength. While higher credit scores may qualify for lower interest rates, applications are reviewed holistically, and different rate structures may be available depending on risk profile.

For investment property loans, current or projected rental revenue and operating expenses are reviewed to evaluate repayment ability. Supporting documentation may be required, including leases, expense statements, or property management agreements, if applicable.

Yes. Refinancing an existing rental property may allow you to adjust loan terms or monthly payments, depending on current market conditions and your financial profile. Contact OUCU Financial to review available options.

Rental Property Loans are intended for non-owner-occupied properties and are not available for primary residences.