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Investment Property Mortgage

The current real estate market presents lucrative opportunities for savvy investors. Don’t miss out. Grow your rental property portfolio with Spencer’s Investment Property Mortgages. Experts in the local market, we pair serious know-how with attractive investment property mortgages.

Strong Indicators: A Hot NJ Rental Property Market

Rental property demand continues to be high in the Garden State. Numerous individuals are seeking the right rental, pushing up rents and providing a steady stream of income to smart investors.

Loans Up to $750,000

A partner to investors since 1893, Spencer empowers local investors, without red tape. We know the market. We understand investment property and rental regulations. And we will pair you with a competitive mortgage for a rental property designed specifically for real estate investors.

  • Attractive fixed & adjustable rate options
  • Personally deeded properties up to $750,000
  • Business deeded properties up to $500,000
  • 80% LTV financing on 1-4 family purchase or no cash out refinances
    (75% LTV financing on condos and townhouses)
  • 75% LTV financing on 1-4 family cash out refinances
    (70% LTV financing on condos and townhouses)
  • No pre-payment penalties
  • A range of value-added business banking services

Mortgages for Rental Properties:

  • 1-4 family homes
  • Condominiums
  • Townhouses
  • Mixed-use properties up to 4 units