Investment Property Mortgage Basics Every Investor Should Know
Understand investment property mortgage requirements, from down payment rules to reserve guidelines and rental income calculations.
Why this article matters
- Expect 15% to 25% down payments and six months of reserves for each financed property.
- Lenders often apply a 25% vacancy factor to rent before counting it toward income.
- Short-term rentals require additional underwriting, including documented occupancy permits and insurance proof.