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Important Note: U.S. Government Stimulus Funds
All direct deposit funds, including Federal stimulus payments, are deposited once a day in the overnight hours. If deposited, funds are credited by 6 a.m. local time. If the payment does not appear in your account at 6 a.m., please check back the following day. You can find the most up-to-date information on your Economic Impact Payment at IRS.gov.
Second Homes and Investment Properties
Finance a second home for vacations or an investment property to help grow your wealth.
Buy wisely. Buy confidently.
Considering a second home in your favorite vacation destination? Or an investment property to help grow your wealth? Either way, you should talk with a California Bank & Trust mortgage professional to get the mortgage products you need to do it right. We provide a variety of financing options[cite::56::cite] for single-family homes, townhomes, condominiums or multi-family dwelling up to 4 units.
Why Consider a Second Home
Use it as a vacation retreat while the investment value appreciates
Mortgage and home equity interest payments may be tax-deductible
Leverage the equity in current home to help finance the purchase
Why Consider an Investment Property
Get a new source of rental income
Financing available for dwellings with just 1 to 4 units
As little as 20% down payment required
Things to Remember
Two years of property management experience is required to use rental income for loan qualification
Mortgages for investment properties are for dwellings with 1 to 4 units