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How Is Investment Property Financing Different?
Investment financing usually involves different down payment expectations, reserve requirements, and underwriting than a primary residence.
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The situation
Investors sometimes apply for financing the same way they would for a primary residence and are surprised by different reserve and down payment expectations. Understanding these differences ahead of time makes deal analysis more accurate.
Questions people in this situation usually ask
- How much in reserves will I typically need for an investment property?
- How does down payment differ from a primary residence purchase?
- How is rental income from the property factored into qualification?