Property investors deserve a lender who thinks like one.
Whether you’re buying your first rental property or expanding an existing portfolio, real estate investment takes a financial partner who understands the numbers. We offer financing for investment and rental properties through our business loan program, with the local decision-making and personal service that big banks can’t match.
Every tool you need to build and grow your investment portfolio.
From purchase financing to equity access and working capital, here are the products Firefighters First Credit Union offers property investors at every stage of their portfolio.
Finance your investment.
Purchase loans for non-owner-occupied investment and rental properties. Competitive rates, flexible terms, and local underwriting so you get a real answer fast.
Tap your equity.
Already own investment property? A home equity line of credit can help you access the equity you’ve built to fund your next acquisition, cover improvements, or manage cash flow between tenants.
Fund the full picture.
Need working capital between deals, financing to improve an existing property, or funding for your next construction project? Our construction loan and business lines of credit give you flexible access to funds when you need them.
Insurance Services
Protect what you finance.
Protect your investment properties with a free insurance review from Insurance Services. Available to all property owners at no cost and no obligation, regardless of your current carrier or the number of properties you own.
INvestment Services
Put your capital to work.
Investment Services provides professional investment guidance to help property investors build a long-term wealth strategy that goes beyond real estate, aligning your rental income, retirement planning and broader financial goals in one cohesive plan.
TAX SERVICES
File with confidence.
Tax Services helps small business owners stay on top of tax obligations, from bookkeeping and payroll to filing support, keeping your business organized and compliant year-round.
Tell us about your portfolio and we will take it from there.
Our Business Services team specializes in investment property financing and understands the unique needs of real estate investors. Tell us about your situation and we will connect you with the right people and resources.
Everything you need to know about our support for property investors.
How is an investment property loan different from a standard mortgage?
Investment property loans are structured differently than primary residence mortgages because the property is not your primary home. Terms, rates and down payment requirements may differ. A business specialist can walk you through what to expect.
What do I need to apply?
You will need your current business income statement and business federal tax returns. Your personal credit will be reviewed as part of the process. Business membership with Firefighters First Credit Union is required before funding.
Can I use a HELOC to fund an investment property purchase?
A HELOC on an existing property can be a useful tool to access equity for a down payment or property improvements. Talk to a Mortgage Consultant about how this might fit your investment strategy.