Investment Property Mortgages
Financing built for landlords and investors — competitive rates, rental income considered, and guidance for your next purchase.
What this covers
Investment property mortgages differ from a mortgage on your primary residence — down payment minimums are higher, qualification rules are stricter, and lenders assess rental income differently. Getting matched with the right lender matters more here than almost anywhere else.
We work with lenders who understand rental income, whether it's your first rental or you're building a portfolio.
Who it's for
- First-time investors buying a rental property
- Landlords expanding their portfolio
- Investors using rental income to help qualify
- Anyone considering a duplex or triplex as an investment
How Nestwell helps
- Match you with lenders that count rental income favorably
- Explain the higher down payment and stress-test rules for rentals
- Structure financing across multiple properties as your portfolio grows
- Compare rates across 100+ lenders, not just one bank
Down payment basics
Investment properties typically require a minimum 20% down payment, since default insurance isn't available on non-owner-occupied properties.
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Common investment property questions
A minimum of 20% is required for non-owner-occupied investment properties.
Yes — most lenders count a portion of expected or existing rental income, though the exact percentage varies by lender.
Yes, and owner-occupied multi-unit properties often qualify for lower down payment requirements than a pure rental purchase.
It depends on your income, existing debt, and each lender's policies. We help structure financing as your portfolio grows.
Ready to finance your next property?
Free, no-obligation assessment for your investment purchase.