Investment Property Loans

Looking to be a landlord?

We offer flexible financing options for qualifying residential rental properties.

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What's an investment property loan?

U.S. Bank offers investment property loans for those interested in buying second homes and investment properties, including one- to four-unit residential properties and vacation properties. As an option, you may be able to use your current home equity to finance buying additional property. To learn more, please contact a mortgage loan originator.

Before You Buy Investment Property, Do Your Homework

Investing in real estate is like any kind of investment - it's wise to do your homework and assess both the benefits and the risks involved. If you've been thinking about buying investment property, consider the following:

  • Determine the type of property you want to invest in - rental homes, condominiums, apartment buildings and so on.
  • Decide if you want to invest short- or long-term.
  • Ask yourself if you're ready to be a landlord.

If you've already decided to purchase a rental property, research the property thoroughly beforehand to help determine if the investment will be profitable. Consider learning more about all your mortgage options.

Get Started

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Find out how much you may be able to spend on your next home.


Equal Housing Lender

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice.

The rates shown above are the current rates for the purchase of a single-family primary residence based on a 60-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your guaranteed rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

To guarantee a rate, you must submit an application to U.S. Bank and receive confirmation from a mortgage loan originator that your rate is locked. Application can be made by calling 877.303.1639 or by meeting with a mortgage loan originator.

Minnesota residents: To guarantee a rate, you must receive written confirmation as required by Minnesota Statute 47.2061. This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206.