Calculate your monthly mortgage payment, total interest over the loan life, and see a year-by-year amortization breakdown.
Investment properties typically require 15-25%
Investment property rates: typically 6.5-7.5% in 2026
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Monthly PITI (Total Payment)
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Including taxes and insurance
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Join WaitlistFinancing an investment property is different from financing a primary residence. Lenders view rental properties as higher risk, which means higher rates, larger down payments, and stricter qualification requirements. Understanding these differences helps you evaluate deals accurately and avoid surprises.
Investment property mortgage rates typically run 0.5% to 0.75% higher than primary residence rates. On a $280,000 loan, that difference adds $100-$150 per month to your payment and tens of thousands of dollars over the life of the loan. Always factor the higher rate into your deal analysis, using primary residence rates will make properties look more profitable than they actually are.
Most conventional lenders require 20-25% down on investment properties. Some portfolio lenders will go as low as 15% with compensating factors (higher credit score, larger reserves, lower debt-to-income ratio). The exception is house hacking: if you live in one unit of a 2-4 unit property, you can use FHA financing with as little as 3.5% down.
Most investors choose 30-year terms to maximize monthly cash flow. The lower payment leaves more room for vacancy, repairs, and profit. A 15-year mortgage builds equity faster and saves significant interest, but the higher payment can turn a cash-flow-positive property into a cash-flow-negative one. Run both scenarios through this calculator and compare the impact on your monthly numbers.
Debt Service Coverage Ratio (DSCR) loans qualify based on the rental property's income potential rather than your personal income. If the property's rental income covers at least 1.0-1.25x the mortgage payment, you can qualify regardless of your W-2 income. Rates are typically 0.5-1.5% higher than conventional investment property rates, but the qualification flexibility makes them valuable for scaling investors.
Investment property mortgage rates are typically 0.5-0.75% higher than primary residence rates. As of early 2026, expect rates in the 6.5-7.5% range for well-qualified borrowers with 20-25% down payment and good credit scores (700+).
Most lenders require 15-25% down on investment properties. Conventional loans typically require 20-25%. Some portfolio lenders may accept 15% with stronger credit profiles. FHA loans (3.5% down) are only available if you live in one unit of a 2-4 unit property.
A 30-year mortgage maximizes monthly cash flow since payments are lower, which is important if the rental needs to cover expenses and generate profit. A 15-year mortgage builds equity faster and costs less in total interest, but the higher payment may reduce or eliminate positive cash flow. Most investors choose 30-year to protect cash flow.
SealedFolio tracks mortgage balances, interest payments, and amortization across your entire portfolio, with no cloud storage and no per-property fees.
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