At Sunwest Bank, our experienced investment property lenders can provide the financing you need to grow your investment portfolio successfully. For over 50 years, we have worked with real estate investors and business owners to fund acquisitions across many investment property types with investment property loan programs tailored to your business strategy. Keep reading to learn how we can optimize your leverage, cash flow, and returns as your financing partner.
We recognize that investment properties encompass far more than office and retail properties. Our diverse investment property lending platform offers acquisition and refinance solutions for many types of income-producing real estate assets, including:
As one of the top multifamily lenders in our markets, we have funded apartment complexes ranging from 5 units to 500 units in size. We understand how to maximize leverage and debt service coverage based on the property attributes of each potential rental property.
From small shop flex properties to million square foot distribution centers, our industrial lending programs cater to all facets of investment property mortgages in this niche sector. When structuring investment property loans, we analyze factors like parking ratios, clear heights, and freight access.
With deep expertise in hospitality finance, we can provide attractive investment property loan programs for hotels and motels of varying sizes, luxury or budget positioning, and geographic locations.
Our retail lending team can assess tenant mix viability, foot traffic patterns, visibility, trade area demographics, sales per square foot, and other factors to right-size retail property loans.
We offer construction loans for approved development projects. As experienced construction lenders, we understand proper loan draw structures and monitoring.
We have funded them all, whether medical offices, self-storage, senior living, gas stations, mobile home parks, or other specialty assets.
Our diverse commercial lending experience makes us an ideal financing partner as you acquire different investment properties across real-estate asset classes over time.
In addition to broad investment property type expertise, our team takes the time to understand the unique strategic vision and risk tolerance of all of the real estate investors we work with. We can then develop tailored financing structures and investment property loan options that help our clients maximize their real estate business plans.
Our team understands that time is critical when financing and closing time-sensitive transactions. By leveraging our deep knowledge of the markets we lend in and the relationships we’ve built locally over 50+ years, we can accelerate the lending process and eliminate unwarranted delays.
If you are starting to invest, take comfort in knowing that we have worked with hundreds of first-time investors to help prudently finance their initial deals. While the first purchase is the most difficult, it gets progressively more manageable as you build experience and a track record.
Here are some tips specifically for those embarking on their first investment:
Executive Vice President
Director of Real Estate Lending
ARIZONA
The most common sources are conventional loans from banks like us, CMBS/agency financing, life company loans, and a hard money loan or private loan from hard money lenders.
We recommend a 720+ credit score if you’re looking for the most competitive loan program. The minimum can be around 680 in some cases.
Most lenders will look for at least a 20-25% down payment as a prudent starting point. More equity lowers LTV ratios and risk.
This depends on your investment timeline, cash flow needs, interest rate outlook, and risk appetite. Both options have advantages.
With a complete application, we can often underwrite and approve investment property loans within 2-3 weeks. Closings can take 30-60 days from final approval.
As your local lender, we can approve loans for investment properties without waiting on out-of-area committees or management.
Typical requirements include financial statements, rent rolls, leases, purchase contracts, tax returns, construction costs, plans, etc.
Brokers can help source competitive financing options by working with multiple mortgage lenders and charging fees. We suggest speaking to both brokers and direct lenders.
Please reach out if you need any other investment property loan questions answered by our team!
Our decades of lending experience give you confidence that our team can expertly guide you through the investment property loan process. Since the 1990s, we have provided over $5 billion in loans, helping real estate investors purchase or refinance thousands of properties across our geographic markets.
Here is an overview of our team’s expertise:
Sunwest Bank is a leading community bank with a vested interest in the health of local economies and the success of businesses and real estate investors operating in our regions.
We take pride in leveraging our local underwriting experience and decision-making authority to fulfill our mission of providing financial solutions to help our clients and our communities prosper.
By working with us for your bank loan and financing needs, you benefit from community bank responsiveness and our lending team’s specialized expertise. This powerful combination leads to timely answers and solutions.
Some key advantages of partnering with a local lender like Sunwest Bank include:
We hope this content has helped educate you on how our banking group can help optimize your capital needs. Our experienced team truly enjoys working with investors and business owners to finance profit-generating acquisition and development of investment properties.
From customized loan structuring to in-house approvals to personalized services, we aim to simplify the investment property lending process so you can focus on executing your real estate investing plan.
To learn more about our competitive loan programs or to discuss an upcoming financing need, please reach out any time. We look forward to serving as your banking partner now and well into the future!