Investment Real Estate Financing
We offer San Antonio and Fort Worth investment real estate financing as an additional option to our suite of business loan solutions offered to our clients throughout Bexar, Kendall, Comal, and Tarrant counties.
Here’s why this could be an important option for you. First off, real estate financing is simply better than any other alternative. If offers returns of investment without the same stress and volatility of the stock market. Additionally, it can be a more profitable option than depositing money into certificates of deposit.
When thinking about the pros and cons of getting on board with our San Antonio investment real estate financing experts, the economy is in your favor. Buying property is becoming increasingly more and more user-friendly.
Do you already own investment properties? If so, this might be the right time to refinance. We can help navigate through deposits and new loans, and help you get lower interest rates that can save you thousands of dollars. Meet with one of our business lenders to figure out the best refinancing possible for your situation.
Eligible Types of Investment Real Estate
We provide services for a variety of investment properties. This means more options for you. We can help you finance the perfect place for your goals, needs, and future. You can finance these types of property with an investment real estate loan from United Texas Credit Union:
- single-family homes
- duplexes
- office buildings
- small shopping centers
- small apartment complexes
Loan Features
At United Texas Credit Union, our San Antonio and Fort Worth investment real estate financing specialists care about you. We want to help you maximize benefits and limit risks. We have established loan features that will give you the freedom and confidence you need in your financing.
- Non-owner occupied property
- Purchase or refinance
- Up to a 10-year fixed-rate term with 20 years of amortization
- The loan amount is based on the cost of the building or as completed with improvements
- 20 – 25% down payment or equity in the property*
- No prepayment penalties
- Local decision-making and servicing
Beyond the loan features that can benefit you and your investment, there is more that is possible. With just a 20% down payment or equity in your property, you may be able to borrow for up to ten years. Take advantage of today’s rates and contact the professionals at United Texas Credit Union.
What Is Real Estate Financing?
Real estate financing describes an investor’s method of securing funds for an approaching deal. As its name suggests, this method will have investors secure capital from an outside source to buy and remodel a property.
One of the biggest misunderstandings of real estate investing is that you need to have a load of money to get started, which isn’t true. However, the secret that many professionals don’t understand is that many different real estate financing options are available to fund every investment. The key is to understand the financing aspect because the method by which a specific deal is funded can greatly impact its outcome.
Do You Need a Commercial Loan?
A commercial loan is a debt-based funding arrangement between a business and a financial institution such as a credit union. Commercial lending is typically used to fund major capital investments or expenses and/or cover operational costs that the company may otherwise be unable to afford.
Expensive costs and regulatory hurdles often prevent small businesses from having direct access to bond and equity markets for financing. This means that, like individual consumers, smaller businesses must rely on other lending products, such as unsecured loans, lines of credit, or term loans.
United Texas Credit Union can help fund major capital expenditures and/or cover operational costs that your business may be unable to afford.
An Example of a Commercial Loan
Once the commercial loan is granted, it will help assist with short-term funding needs for operational costs or for the purchase of equipment to facilitate the operating process. In some cases, the loan may be extended to help the business meet more basic operational needs, such as funding for payroll or purchasing inventory or supplies used in the production and manufacturing process.
We’re Here for You
At United Texas Credit Union, we’re committed to building lasting relationships. While we have the same resources as the big banks, we provide our members the care and loyalty other businesses do not. We make sure to provide the best financial solutions to help your business succeed.
For more information about investment real estate financing or any other business lending needs, please contact:
- David Gray, VP Member Business Lending – 210.561.4578
- Kris Boiles, AVP Member Business Lending/Branch Manager – 682.350.9055
- Sharon Miller, Member Business Lending Officer – 210.561.4582
*Appraisal required.