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Owning real estate can help you make money and build wealth even when you're sleeping (talk about resting easy). We have an investment property loan for that, or for managing a larger operation. And if you want to go over other ways to make your money work for you, we can cover it all.
  • Buy a consumer investment property that holds 1-4 families
  • Get any other property or land you're aiming to earn a return on
Getting the most out of your investment begins with having a loan partner that'll give you more. With Summit, you get:
  • Affordable rates
  • Access to larger loan amounts
  • Local servicing for the life of the loan 

Your Investment Loan Options Include:

  • Fixed-rate mortgages with terms from 10 to 30 years
  • Adjustable-rate mortgages (ARM) with initial rate locks from 3 to 5 years
  • As with any other mortgage loan, what you can borrow depends on your credit, income, assets and liability – the income you may generate with the property won't factor into the loan
  • Larger properties, like multi-unit apartment buildings, will likely require a higher down payment
  • Your income will depend on the type of property you're getting and any related expenses (e.g., maintenance costs on a rental unit could slow the return on investment)
If you're looking for a loan on a consumer investment property, our Mortgage Loan Officers can help you find your best option. For other investment loan needs, connect with a Business Development Officer to learn more. Learn How to Make It Happen More Tools & Resources
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* The Wisconsin's #1 Mortgage Lender designation is based on the number of loans in 2023, gathered from the Home Mortgage Disclosure Act data compiled annually by the Consumer Financial Protection Bureau. The results of the data were obtained through the LEI: 254900NTAC4H10MGSU23 ** SBA Lender of the Year Award for Credit Unions as awarded by the Small Business Administration of Wisconsin in 2024. Copyright 2025 © Summit Credit Union. All rights reserved. If you are using a screen reader and are having problems using this website, please call 608-243-5000 for assistance. Insured by NCUA