Investment Property For the next one in your portfolio.

Mortgages for vacation homes and investment properties.

Whether you're buying a beach house to enjoy or a rental to build equity and income, investment-property financing has its own rulebook — different down-payment requirements, different rate structures, different documentation. Knowing which program fits your goal is half the work.

Second home vs. investment property

Lenders distinguish between the two, and the rules differ.

A second home is a property you'll occupy yourself for part of the year — typically a vacation home or weekend place. Down payments start around 10%, rates are close to primary-residence pricing, and you generally can't rent it out long-term.

An investment property is one you buy to rent out — long-term tenants or short-term vacation rentals. Down payments usually start at 15–25%, rates run a bit higher than primary, and you can use projected rental income to qualify.

Loan programs for investment properties

Conventional financing

Standard 30- or 15-year fixed-rate mortgages, available for second homes (typically 10% down) and investment properties (typically 15–25% down). Rates and terms scale with credit, reserves, and number of financed properties.

DSCR (Debt Service Coverage Ratio) loans

Investor-focused financing that qualifies based on the property's cash flow rather than your personal income. Useful for self-employed investors or anyone scaling a portfolio. Down payments typically 20–25%.

Jumbo investment financing

For purchases above the conforming limits. Same DSCR or full-doc options, just sized up.

How to qualify

• Down payment: 10% for a second home, 15–25% for investment property, depending on the program.
• Reserves: Lenders typically require six months of mortgage payments in liquid reserves.
• Credit score: 680+ for most programs, 700+ for the best pricing.
• Existing portfolio: If you already own multiple properties, lenders look at the full picture.
• Rental income: Can be used to qualify with appropriate documentation (lease agreements, schedule E, or appraiser's rent schedule for new purchases).

Investor-focused brokers (us included) shop multiple lenders for each scenario — pricing varies meaningfully across investors. Reach out and we'll model your scenario across DSCR, conventional, and jumbo.

Get started today!

Tell us a little about your situation and we'll send personalized loan options within one business day.