Flexible Financing Options for Your Rental Properties

Investment property ownership offers buyers plenty of benefits, including additional income through rental opportunities and potential tax benefits.1 Navy Federal offers residential investment property financing using a 15-year conventional fixed rate.2

Loan Features

  • No Prepayment Penalties

    Able to pay off your loan early? No problem. Navy Federal doesn’t charge penalties for paying off your loan early.

  • 25% Down Payment Required

    All Navy Federal investment property mortgage loans require a 25% down payment.

  • Available for Purchase or Refinance

    If you already have a mortgage on your investment property and want to refinance for a different interest rate or shorter term, this loan may also be a good fit.

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Why Choose Navy Federal?

Great loans. Expert guidance. Best-in-class loan service. As a Navy Federal member, you get access to additional benefits to help save you time and money. Get your loan, real estate agent, title services and loan servicing all through us.

Learn Moreabout mortgages with Navy Federal

Find a Real Estate Agent

Use RealtyPlus® to get matched with a top-performing real estate agent in your area and earn cash back, too. Exclusively for Navy Federal members.3

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Mortgage Learning Center

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Homeowner Resources

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Disclosures

1 This information is intended to provide general information and should not be considered tax advice. Please consult a tax professional for more information.

2 A fixed-rate loan of $250,000 for 15 years at 2.250% interest and 2.535% APR will have a monthly payment of $1,638.
A fixed-rate loan of $250,000 for 30 years at 2.750% interest and 2.926% APR will have a monthly payment of $1,021.
Taxes and insurance not included; therefore, the actual payment obligation will be greater.

3 The cash-back bonus is offered in most states and is available for individual sales and purchases of property; offer limited to one cash-back bonus per property with no limit on the amount of times you may use the program. In some states, a gift card or commission credit at closing may be provided in lieu of the cash-back bonus. The program is not available in IA or outside the U.S. Cash-back bonus is not available in AK, LA or OK. In KS and TN, a gift card with preloaded points that are ready for spending at specified retail establishments after closing will be issued. State regulations in KS limit the dollar amounts and the type of incentive. In MS, NJ, and OR, a commission reduction may be available at closing. Please check with the program coordinator for details. This is not a solicitation if you are already represented by a real estate broker. The cash-back bonus is only available with the purchase or sale of your home through the use of a program-referred and -approved real estate agent. The size of your cash back award depends on the value of the property you are buying or selling. Obtaining the full $8,000 cash back award requires transacting in a property valued at $1.75 million or greater. To calculate the size of you potential cash back, please visit navyfederal.org/realtyplus. All real estate transactions are negotiable. Contact RealtyPlus for terms and conditions. Standard listing fees apply.