Investment Property Loans


Increase Cash Flow.

Lower your monthly payments and maximize the return on your investment with terms up to 15 years and amortization up to 30 years.

Reduce Out-of-Pocket Expenses.

Pay no points1 and limited fees at closing.

Skip the Red Tape.

As a direct lender, not a broker, we have more control over the decision making, giving you greater flexibility, competitive rates, and a faster approval process. In most cases, your loan can fund in as little as 45 days from receipt of your completed application package—half the time of a typical investment loan!

Receive Expert Advice—Every Step of the Way.

Whether you’re all set to buy or trying to figure out what you can afford, you need solid financing information and guidance. CU SoCal’s Business Lending representatives offer unbiased, trusted advice through the entire loan process—even after hours and on weekends.

Loan Amounts $50,000 – $4,000,000
Qualified Loan Uses Finance for purchase
Cash out refinance
Rate and term refinance
Loan Terms 5 to 15-year fixed- and adjustable-rate programs
Amortization up to 30 years
Zero points
No seasoning requirements
Eligible Properties Single/multiple-family residences
Apartment Buildings
(including garden, mid-rise, and high-rises)
Eligible Businesses Sole Proprietorship (with or without DBA Partnerships)
Corporations (including S-Corporations)
Limited Liability Companies

We also offer SBA Loans.

One-to-One With Our Commercial Lending Officers

Meeting face-to-face or over the phone with our Commercial Lending Officers gives you the opportunity to have all your detailed financing questions answered and to gain valuable insights. To prepare for the discussion, we encourage you to have a rent roll and income/expense statement on hand.

Contact Orlando Cepeida, Commercial Lending Officer, at 562.365.1893, 714.316.3567 (cell), or by email to

Contact Dexter De Mesa, Vice President of Commercial Lending, at 562.365.1888, 562.325.4135 (cell), or by email to

You are now entering CU SoCal’s full website.