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Flexible Financing Options for Your Rental Properties

Investment property ownership could offer buyers plenty of potential benefits, including additional income through rental opportunities and potential tax benefits.Footnote [1] Navy Federal could help you explore real estate investment opportunities.

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.

  • 15% Down Payment Required

    All Navy Federal investment property mortgage loans require a down payment, sometimes as low as 15%.Footnote [2]

  • 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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Apply Now for an Investment Property Financing

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To get details on investment property mortgage rates, call 1-888-842-6328 today.

Get the Best Investment Property Mortgage Rates

We’re committed to helping you get a great investment property mortgage rate. The following tips could help you qualify for a better rate:

Manage your debt

Keeping your credit utilization low and paying bills on time should help you build a healthy credit score. 

Improve your credit score

A higher credit score could help you secure a lower down payment or potentially a lower interest rate.

Increase the size of your down payment

A larger initial down payment means that you'll borrow less money, making your loan less risky. 


Visit Our Home Buying Center

Our Home Buying Center has everything you need to de-stress your next address. Learn about your loan options, the benefits of a preapproval letter and different ways you could save money.

Learn moreabout our Home Buying Center


Find a Real Estate AgentFootnote [3]

Finding the right home starts with finding the right real estate agent. Use RealtyPlus® to connect with a top-performing real estate agent in your area. Plus, you could earn cash back. Exclusively for Navy Federal members.Footnote [4]

Learn More about RealtyPlus.

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

Product features subject to approval. 15% minimum down payment is available for purchase loans only. Down payments and Loan-to-Value (LTV) requirements vary and depend on the property type, loan purpose, your creditworthiness, and/or other factors.

3

Customer satisfaction claims are based on 2024 Anywhere Leads Inc.'s surveys of customers who bought or sold a home using a program serviced by an Anywhere Leads Network agent or using an Anywhere Leads Network agent.

4

This program is only available for individual home purchases and sales in the contiguous U.S., Alaska, and Hawaii, excluding Iowa and employer-sponsored relocations. Financing through Navy Federal is not required to receive program benefits. The cash back is only available with the purchase or sale of your home through the use of a program-referred and -approved real estate agent, and is offered in most states, with the exception of Iowa, Alaska, and Oklahoma, and is not available in certain transactions with restricted agent commissions (including many new constructions, For Sale by Owner, or For Sale by iBuyer transactions, or where a minimum transaction side commission is not paid). Your agent can confirm which transactions are eligible. Cash-back amount depends on property value. Obtaining the full $9,000 requires a $3 million or greater transaction. Calculate your amount at navyfederalrealtyplus.com. One cash-back offer per property with no limit on the number of times you may use the program. In some states, a gift card or commission credit at closing may replace cash back. 

In Kansas and Tennessee, a Mastercard® MAX gift card is provided with preloaded points and ready for use at specified retail establishments after closing. A commission reduction may be available in Mississippi, New Jersey, and Oregon instead of cash back. All real estate commissions are negotiable, and real estate broker fees apply. This program is offered, in part, by Anywhere Leads Inc., which may receive a co-operative brokerage fee as a result of a referral to any affiliated real estate companies, including Better Homes and Gardens® Real Estate, Coldwell Banker®, Century 21®, ERA® Real Estate, and Corcoran. Please check with the RealtyPlus program coordinator for full details, as program restrictions, terms, and conditions apply and are subject to change at any time without notice. This is an advertisement and not a solicitation for agent representation if your property is currently listed with an agent. Anywhere Leads Inc., 175 Park Avenue, Madison, NJ 07940. Licensed broker in the state of Texas. Broker license #9009191.