Rental Property Mortgage Down Payment

 · While most mortgage programs don’t allow you to borrow a down payment, some forms of down payment financing are allowed under certain programs. Home equity loan can be down payment for rental property. For conforming mortgages (fannie mae and Freddie Mac), home equity loans are acceptable sources for a down payment.

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The down payment requirement is one of the biggest differences between a home loan and an investment property loan. According to Freddie Mac, the down payment for a one-unit investment property is at least 15%. In comparison, a one-unit primary residence could require just 3% percent down.

The down payment is a type of payment which constitutes a part of the total price of your real estate investment. This payment is made in advance when you are planning to start financing real estate investments. In other words, it is the portion of the total price that you pay from your own pocket in order to receive a mortgage loan.

In addition to the down payment, lenders will require you to have six months of cash reserves available per property. This means that if you own a primary residence and you’re going to acquire a rental, the lender will require you to have six months of mortgage payments (cash in the bank) for both your primary residence and your future rental.

The terms of the loan must be agreed upon by the two parties, which can give you the opportunity to finance the rental property without a hefty down payment. In the long term, you will be required to pay back according to the agreed-upon interest rates.