: Budget for a minimum of 15% to 20% down. Putting down 25% often unlocks significantly better interest rates.
: Keep your non-housing debt below 28% of your gross income. Most lenders allow up to 75% of your expected rental income to count toward your qualifying income. 2. Choose Your 2026 Strategy how to buy investment property
: Lenders typically require 6 to 12 months of mortgage payments (PITIA) in liquid reserves to cover potential vacancies or repairs. : Budget for a minimum of 15% to 20% down