Invest
Portfolio financing is a different conversation than a primary home.
Reserves, occupancy, and the property type all shift. Treat this as underwriting, not a slogan.
This path
Expect different down payment and reserve rules than a primary residence. Occupancy is a fact.
Who this is for
If this sounds like you.
Buying a rental
Occupancy is changing
Several mortgages already
What happens next
Three moves. Then a person.
01
Define occupancy
Primary, second home, and investment are not interchangeable.
02
Look at the whole picture
Other mortgages, rental income, and reserves matter more here.
03
Match the loan to the asset
Your officer will say if the file should proceed, or not.
The property is the business
Investment files are underwritten more tightly on purpose.
Reserves, occupancy, and the asset have to line up.
Programs often in play
Options, not a grid of logos.
Investment property guidelines differ from owner-occupied loans. This page is education, not an offer to lend.
Common questions
What borrowers ask on this path
Ready when you are
The house is the point.
Whether you’re buying your first home, moving into your next one, refinancing, or exploring your options, we’re here to help you figure out the next step.