To Get A Loan To Buy Investment Property: How

Securing a loan for an investment property is generally more complex than obtaining a mortgage for a primary residence because lenders view non-owner-occupied properties as higher risk. For 2026, lenders typically require higher credit scores, larger down payments, and substantial cash reserves. 1. Key Eligibility Requirements

: These follow guidelines from Fannie Mae or Freddie Mac and are best for long-term rentals with 1–4 units. how to get a loan to buy investment property

To qualify for an investment property loan, you must meet stricter financial standards than a standard homebuyer. Securing a loan for an investment property is

: You will likely need enough liquid assets to cover 6 to 12 months of mortgage payments (including taxes and insurance) for the new property and your primary residence. lenders typically require higher credit scores