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What is an Investment Property Loan?

A Plus Mortgage Rates offers loans for investment properties and second homes.  We do single family homes, condominiums, and multi-family dwelling.

An investment property is a non-owner-occupied home. Mortgage insurance is not available on this type of loan, therefore, a minimum of 20% down payment is required.

Traditional lenders typically charge a higher interest rate for this type of loan, the average is about a quarter to half a point higher versus an owner-occupied home. Owner occupied being the primary residence of the borrower and the investment property being a rental for Air B and B for example.


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