Investment-property loans price differently than a primary residence — higher rates, bigger down payments. Enter the deal below for your monthly principal & interest, loan size, and lifetime interest.
Payment = L × r(1+r)ⁿ ÷ ((1+r)ⁿ − 1), where L is the loan amount, r the monthly rate, and n the number of payments. This covers principal and interest only — taxes, insurance, and any PMI are extra.
Investment-property mortgages typically run 0.5–1% higher than owner-occupied rates and commonly want 15–25% down. Lenders may count only ~75% of projected rent toward qualifying income. Once you have a payment, drop it into our cash flow calculator to see whether the deal works.
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Typically 15–25% for a conventional investment loan — more than a primary residence. DSCR loans (which qualify on the property’s income, not yours) often want 20–25%.
Yes — usually 0.5–1% above comparable owner-occupied rates, because rental default risk is priced higher.
No — this is principal & interest only. Add taxes and insurance (plus reserves) in the cash flow calculator for the full picture.
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Manage your property free on 10DoorsThis template is provided for general informational purposes and does not constitute legal advice. Landlord-tenant law changes and local ordinances may impose additional requirements — verify current state and local rules before serving any notice. Last reviewed September 2026.