Investment property mortgage rates

Find and compare the best investment property mortgage rates from lenders in your area.

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INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

INTEREST RATE

MO. PAYMENT

TOTAL INTEREST

FEES

About These Rates: The lenders whose rates appear on this table are NerdWallet’s advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender’s site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner’s assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.

Investment Property Mortgage Rates

Whether they’re fixer-uppers for flipping or a stable of rental houses for earning passive income, investment properties hold a genuine appeal for those seeking to build wealth. NerdWallet’s mortgage rate tool can help you find competitive interest rates for your first — or your next — investment property purchase.

What are the differences between a loan for investment or rental properties vs. a loan for a home you plan to live in?

Lenders consider investment and rental property loans riskier than typical home mortgages. Mainly because it’s not your primary residence. After all, it’s a business transaction, rather than a home purchase.

It’s likely you’ll have to put more money down. Conventional mortgages generally require at least 15% down on a one-unit investment property; 25% down on a two- to four-unit investment property. And loan terms are usually shorter than the typical 30-year residential mortgage.

Why are interest rates higher on investment or rental properties?

Another factor in the risked-based pricing lenders use: Your interest rate will generally be higher on an investment property than on an owner-occupied home. That’s a good reason to use our mortgage rate tool to compare prevailing interest rates that you qualify for.

Learn more about investment properties: