The best banks for real estate investors, like Baselane, U.S. Bank, and Chase, offer property management services or real estate loans. See our guide for more.
The best banks for real estate investors provide banking accounts designed to streamline rental property operations. These banks offer business software integrations and low banking fees to help maximize profits from property investments. Additionally, they provide access to commercial real estate (CRE) lending solutions and include valuable features such as rent collection and cash flow management tools.
Here is a list of the seven best banks for real estate investors.
The table below reflects the top factors I evaluated for the seven best banks for real estate investors.
| Baselane Landlord Banking | |||||
| U.S. Bank Business Essentials Checking | |||||
| Chase Business Complete Checking® | |||||
| Bluevine Standard | |||||
| Stessa Cash Management | |||||
| Grasshopper Innovator Business Checking | |||||
| First Internet Bank Do More BusinessTM Checking |
Available loan information per provider
| Baselane Landlord Banking | |||||
| U.S. Bank Business Essentials | |||||
| Chase Business Complete Checking® | |||||
| Bluevine Standard | Term loans and SBA loans via partners | ||||
| Stessa Cash Management | |||||
| Grasshopper Innovator Business Checking | |||||
| First Internet Bank Do More BusinessTM Checking | |||||
Our rating: 4.11 out of 5
Baselane is a financial technology (fintech) platform designed for real estate investors. It offers multiple checking accounts for managing profits, paying bills, and safeguarding security deposits. In addition to its banking solutions, Baselane provides features such as rent collection, tenant screening, and bookkeeping services.
The platform also partners with selected lenders to offer a broad range of financing options for rentals, new construction, Airbnb properties, and fix-and-flips.
I chose Baselane as the overall best bank for real estate investors because it offers a business checking account with no monthly fees or required opening deposits. You also get unlimited virtual accounts to store security deposits for each tenant.
Baselane simplifies the rent collection process with automated invoicing, reminders, and late fee notices, making it efficient to manage your rental properties. Additionally, setting up an account online is quick and straightforward.
Minimum opening deposit: None.
APY: Tiered up to 2.63% APY
ATM fees: None at over 55,000 Allpoint ATMs.
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Our rating: 4.06 out of 5
U.S. Bank, a traditional financial institution, offers a variety of CRE lending solutions for investors interested in purchasing multi-family buildings or renovating commercial properties.
The bank provides three business checking accounts that can be opened online, including the Business Essentials Checking account, with unlimited free digital transactions, 25 free teller transactions, no minimum balance, and no monthly service fees. See our U.S. Bank business checking review for details on key features.
I recommend U.S. Bank for long-term owner-occupied CRE loans, as you can pay off the loan over 25 years. You can secure an SBA 504 real estate loan of up to $12.375 million to purchase commercial real estate, refinance, or fund construction.
Additionally, an incentive I like is the opportunity to earn a $400 bonus when you open a U.S. Bank Business Essentials Account or $1,200 when you open a Platinum Business Checking Account online with promo code Q2AFL26 and complete qualifying activities, subject to certain terms and limitations. Offer valid through June 30, 2026. Member FDIC.
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Our rating: 4.06 out of 5
Chase is a traditional bank offering a wide array of business banking products, including commercial real estate financing. It has three business checking accounts with monthly fees that can be waived. If you meet qualifying activities, you can earn a bonus of up to $500 when you open its basic tier Business Complete Checking® account. This offer is valid until October 16, 2025.
I chose Chase for its extensive lineup of commercial real estate loans, which are ideal for real estate investors looking to purchase, upgrade, or refinance a property. I appreciate the flexible financing options, allowing you to borrow as little as $50,000 and pay interest only for construction loans, making it easier to initiate rental property projects.
The bank also offers both variable and fixed interest rates and provides up to 90% financing, depending on the loan option you choose. Additionally, in-person banking services are available in 48 states.
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Our rating: 4.0 out of 5
Bluevine is one of the top fintech solutions included in our list of the best free business checking accounts, thanks to its multiple interest-earning checking account options. Additionally, Bluevine offers an outstanding line of credit (LOC)
With a Bluevine account, you can also easily integrate with popular accounting software such as QuickBooks, Xero, and Wave, making it easy to organize your business transactions.
I picked Bluevine as one of the best banks for real estate investors due to its impressive line of credit, which can be approved for amounts of up to $250,000.
While many other providers typically require a business to be operational for at least two years and demonstrate high revenue to qualify, Bluevine only requires 12-plus months of business operation and a revenue threshold of $10,000 monthly ($120,000 annually). Additionally, Bluevine Standard offers a 1.53% APY making it a solid choice for business banking.
Minimum opening deposit: None.
APY: Up to 3.7% based on the account plan.
ATM Fees: None at MoneyPass locations; $2.50 for nonnetwork.
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Our rating: 3.88 out of 5
Stessa is a fintech company that offers real estate investors three types of high-yield accounts: a basic plan called Essentials with no monthly fees, and two paid plans, Manage and Pro, that provide additional property management services.
Stessa issues a debit card for each property, allowing users to earn cash back rewards. Its platform features built-in accounting software, comprehensive tenant screening, free rent collection, and a complete suite of leasing tools.
What I appreciate about Stessa is its free rent collection service, which includes optional features based on the chosen plan. You can opt to accelerate rent payments or waive the tenant’s ACH fee. Additionally, it saves you valuable time since reminders and late fees are sent to tenants automatically. Furthermore, the Stessa Cash Management account’s free plan offers competitive interest rates, which is rare among financial providers.
Minimum opening deposit: None.
APY
ATM fees: None, but operator fees may apply.
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Our rating: 3.72 out of 5
Grasshopper, a digital bank, provides two business checking account options for real estate investors: Innovator Business Checking and Accelerator Business Checking. Both accounts require a $100 opening deposit and do not charge monthly fees.
The APY is tiered, and you can earn higher rates by pairing a checking account with a savings product. The bank offers SBA and CRE lending and specializes in serving clients in the New York metro area, New Jersey, and eastern Pennsylvania.
Read our Grasshopper business checking review to see if it fits your business needs.
I believe Grasshopper is a strong option for real estate investors seeking SBA financing, as it is an SBA Preferred Lender. This makes it easier to qualify for an SBA 7(a) loan, which can be used for business acquisitions, expansions, and construction. Grasshopper focuses mainly on financing multi-family properties, medical offices, warehouse/industrial spaces, commercial flex spaces, and retail properties.
Additionally, I appreciate the opportunity to earn higher interest rates by bundling checking and savings accounts.
Minimum opening deposit: $100.
APY: Tiered up to 1.80%.
ATM fees: None at MoneyPass & SUM network.
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Our rating: 3.69 out of 5
First Internet Bank, an online-only provider, offers a business checking account called Do More Business™. This account has no monthly fees, allows unlimited transactions, and includes free ACH transfers. You can earn an interest rate of 0.50% by meeting an ADB of $10,000. The bank also has a dedicated lending team that provides customized solutions for CRE loans.
I believe real estate investors with properties in Indiana can greatly benefit from the expertise of the bank’s CRE lending team. They offer a range of services, including counseling, debt restructuring, underwriting, closing, and servicing of CRE loans, all while ensuring competitive rates.
Furthermore, you can grow your business funds by utilizing the Balance Optimizer feature, which automatically transfers excess funds to a savings account to maximize your earnings.
Minimum opening deposit: $100.
APY: 0.50% APY with an ADB of $10,000.
ATM fees: None at Plus Alliance ATMs around the US, up to $10 monthly reimbursement in ATM fees.
Visit First Internet Bank
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I evaluated the following factors before assigning a rating for the best banks for real estate investors:
When evaluating the best banks for real estate investors, I assessed whether each bank offered commercial real estate (CRE) loans, rental-related services, and business software integrations to facilitate smooth operations. I also examined the fee structures of the bank accounts and reviewed the APY rates.
Since reliable customer support is crucial, I considered this aspect as well. Additionally, I factored in the app ratings provided by users.
The top provider for real estate investment is Baselane, thanks to its excellent business account features, unlimited transactions, no monthly fees, and no opening deposits. Additionally, it offers access to various real estate loans and provides integrated bookkeeping and rent collection services.
A business checking account is the best option for a rental property. It helps you effectively manage cash flow and facilitate business payments. Compared to savings accounts, checking accounts typically have higher transaction limits.
Yes, having a separate bank account for rental properties is advisable. It helps you manage cash flow more efficiently and simplifies accounting and tax reporting.
The number of bank accounts you should have depends on the scale of your operations. If you own a single rental unit, one separate bank account is usually sufficient to track rental payments. However, larger real estate operations may require multiple accounts for better financial organization.
The potential fees you can expect from a business bank account for real estate investors are monthly maintenance fees, transaction fees, wire transfer fees, cash deposit fees, overdraft fees, and ATM fees.
Real estate investors evaluate a bank’s reliability and stability for financing by considering credit ratings, the bank’s reputation, available loan products, and the quality of customer service.
The most effective ways to finance a real estate investment include conventional mortgages, bank loans, and lines of credit.
Robi Mansueto brings over a decade of experience in consumer and preferred banking, with expertise in investment services, client relationship management, and financial product sales. She has held key roles at the Bank of the Philippine Islands and CIMB Securities (Singapore), where she managed high-net-worth clients and oversaw investment, loan, and securities transactions. With a strong background in client onboarding, compliance, and risk management, Robi has ensured strict adherence to regulatory standards throughout her career.
