Buying Investment Property With 10 Percent Down Apr 2026

The most common way to get low-down-payment terms is to live in the property for at least one year.

While 10% is lower than the standard requirement, several specialized paths make it possible for seasoned or strategic investors: 1. House Hacking (Owner-Occupied) buying investment property with 10 percent down

You can buy a 2–4 unit property with 3.5% down (or 10% if your credit score is between 500–579). You must live in one unit and can use up to 75% of the other units' projected rent to help qualify for the loan. The most common way to get low-down-payment terms

Buying an investment property with is a high-leverage strategy that typically requires moving away from "big bank" conventional loans, which usually demand 15% to 25% down for non-owner-occupied rentals. buying investment property with 10 percent down