Flexible Investment Property Loans

Designed to Meet Your Goals

Secure your custom-tailored loan—up to $2.5M—so you can invest in local rental real estate. No prepayment penalties and fast decisions, made right here in Ohio.

Get a Quote

Don’t get short-changed and shut out of local investment opportunities due to limited cash flow.

Firelands FCU specializes in issuing smaller investment loans so you can invest in 1-4 family residential properties.

Are you a:

Real estate investor looking to scale without all the red tape?
Realtor with clients who need local, fast financing?
Buyer who values doing business locally?

Pursue Your Investment Dream

with Firelands FCU’s Transparent Pricing & Fees

We don’t leave you guessing about how much you’ll really owe. Firelands FCU maintains a clear and straightforward pricing and fee structure:

Competitive rates, available as both fixed and variable programs—submit our short form to get a rate estimate.
Origination fee: 1% (min. $1,000).
Document preparation and underwriting: $750 (includes flood & environmental checks).
Valuation savings—low-cost AVMs available on certain deals; inquire for details.

Property Investment Loan Highlights

Loan sizes from $35K—$2.5M
1–4 family properties (ideal for rentals or small developments)
Fixed or variable interest rates—as low as 6.75%
30-year amortization with a 15-year balloon
Close in your LLC or business
Up to 80% LTV (loan to value)—even on cash-out refinances
No prepayment penalties
Local underwriting and decision-making
Leverage full market value in just 90 days with an appraisal
Not a DSCR loan—we evaluate both personal & property cash flow

FEATURE	FIRELANDS FCU	THE COMPETITION
30-Year Amortization		X (Often capped at 20 yrs)
Up to 80% LTV on Cash-Out Refi		X Rare or very costly
Appraisal Optional (AVM-based)		X Not typically offered
Transparent, Competitive Fees		X Junk fees and surprises
Fast, Local Decision-Making		X Often delayed

Secure a Loan to Purchase Your Rental Property

Your local property investment dreams are just a couple of steps away. Work with Firelands FCU for fast and local lending.

Get a Quote

Start with a quick conversation—share your property plans and financial goals with our local lending team.

Gather Your Information

Provide 2 years of tax returns (personal and business), a personal financial statement, and a debt schedule. An appraisal will confirm property value, and all borrowers must personally guarantee the loan.