Build your portfolio or find your getaway.

Vacation home & investment property loans

Whether you’re buying a vacation escape, a rental property, or an investment home, Think Bank offers financing options to match your goals and give you clarity. Our vacation home and investment property loans are designed with flexibility, simplicity, and local service in mind.








Vacation Home Mortgage

A second home built for your life — not just your finances. Invest in property for leisure, lifestyle, or seasonal use — with the same support and service you get for a primary residence.
 
Benefits:
  • Flexible loan options — choose between a fixed-rate and adjustable-rate term based on your goals
  • Simplified servicing — you keep working with Think Bank from start to finish
  • Designed for 1-unit homes suitable for year-round use — including condos, PUDs & townhomes
  • Support for trust and estate structures (if applicable) our advisors help you evaluate options

Investment Property

Turn real estate into income, equity, and portfolio growth. For rental homes or income-producing properties, we provide tailored solutions and expert guidance.
 
Benefits:
  • Financing for 1–4-unit rental properties — single-family, duplex, triplex, or fourplex
  • Clear terms for investment use — built for renters, resales, and long-term income
  • Fixed-rate financing —  predictable payments and long-term stability for your rental income
  • Priority on building your rental portfolio — regardless of whether you’re just starting or scaling up

Looking for larger investment real estate? We can help. Connect with a business advisor to explore commercial financing options.










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How it works

  1.  Connect with a Think Bank mortgage advisor to review your goals (vacation home or investment use)
  2.  Receive pre-qualification to understand what you can borrow and how rates apply
  3.  Choose between fixed or adjustable, select your property type, and apply
  4.  Get approved and close — then enjoy your second home or start earning income from your investment property
  5.  If you ever need to transition (sale, refinance, move), our advisors remain your partner

Frequently asked questions


Down payment requirements vary by term and property type; many options begin with as little as 10% depending on your profile and property.
It depends on your property’s occupancy and usage plan. Renting may shift your loan classification to “investment property.” Your advisor can help clarify what that means for rates and requirements.
Investment properties typically come with higher underwriting standards because rental income, tenant risk, and property management must be factored. National data show second-home mortgages often carry slightly higher rates than primary residences.  
Yes — Think Bank is licensed to help with vacation homes for properties in AZ, FL, IL, IN, IA, KS, MO, NE, ND, SD & WI.
Our origination fee is 1% of the loan amount up to a maximum of $1,500.
















Ready to explore your next property?

Call us at 1-800-288-3425 ext. 2507 or schedule an appointment with a Think Bank mortgage advisor. Let's find the loan that fits your lifestyle or investment goals.
 

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Home financing is available to existing customers, or new customers who live or work in Minnesota, for primary residences located in AZ, FL, IL, IN, IA, KS, MN, MO, NE, ND, SD & WI.

Financing for investment properties is available to existing customers, or new customers who live or work in Minnesota, for properties located in the following southeastern Minnesota counties: Olmsted, Dodge, Mower, Fillmore, Winona, Wabasha, Goodhue, Hennepin, Carver, Scott, Dakota, Ramsey, Washington and Anoka.