Expect Different Requirements Than a Primary Home
Investment property loans often require larger down payments, stronger reserves, and pricing that reflects the added risk of rental ownership.
Look Beyond Rent Estimates
A realistic analysis includes taxes, insurance, association dues, vacancy, maintenance, management, and any short-term rental restrictions that may apply.
Keep Liquidity in the Plan
Reserves can support approval and protect the investment after closing. Investors should avoid using every available dollar on acquisition costs alone.