The current market favors "value-add" opportunities—homes needing work—as move-in-ready properties remain highly competitive.
: Aim for at least 680 to qualify for the best terms; while some programs accept 620, they come with higher costs.
Before browsing listings, you must secure your "bankability". Investment property loans are considered higher risk, so lenders impose stricter requirements than for primary residences.
: Budget for a minimum of 15% to 20% down. Putting down 25% often unlocks significantly better interest rates.
Investment Property Loan Guide | 2026 Guidelines and Process
