Rental Property Financing Policy Changes

Updated regularly

Investment Property Financing

Financing rental properties requires larger down payments and faces stricter qualification criteria than owner-occupied homes. Minimum down payments are typically 20%, and rental income calculation methods vary by lender.

Recent policy changes may affect rental property investors, including adjustments to rental income qualification methods, amortization limits, and stress test application. Stay informed to plan your investment strategy effectively.

Important Considerations

Rental income is typically calculated at 50-80% of gross rent
Interest rates may be higher than owner-occupied properties
Portfolio size can affect lending terms and qualification