USDA Loans

USDA Loans

Investment properties require a minimum of 20% down. However, your rate is improved with 25% down. Your interest rate will typically be higher in any case compared to a primary or secondary home loan as the risk is higher for the lender. Keep in mind that an appraisal for an investment property will cost a little more than typical because a valuation of potential rent is required as well. The condition of the property must still be considered functional.

  • Down Payment: 20% or more down payment is typically required. (25% down payment saves at least a quarter on the rate)
  • Credit Scores: Ideal for borrows with credit scores greater than 740 (Lower credit scores are accepted with pricing adjustments.)
  • Loan Limits: Up to $548,000 (Higher limits available for high-cost areas)
  • Reserves: Six months

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