Investment Property For the next one in your portfolio.
Mortgage loan programs for vacation, second home, and investment properties — from your first rental to your 10th.
Mortgage Loan Programs for Vacation and Investment Homes
Whether you are looking for an investment property or a vacation home reach out to us to get prequalified.
Ready to reach financial independence through real estate? Whether you are looking for an investment property or a vacation home to spend relaxing days, Falmouth Mortgage Group can bring the same level of personalized attention and service to all of your real estate purchases.
Your dream home might be within reach! Falmouth Mortgage Group can help with investment property loans. Our prequalification process will ensure that you are ready to buy and we can help you find a real estate agent to meet your needs.
Mortgage Loan Programs for Vacation and Investment Homes
30-Year Loan
Take advantage of low rates by locking into a low payment with a traditional 30-year loan.
You may be able to qualify for owner-occupied financing with lower interest rates, based on your use of the home. Talk to a loan specialist to find out what programs offer the best terms for your situation.
15-Year Loan
Get the same security of a 30-year fixed rate mortgage, but pay your mortgage off in half the time. This means paying less in interest and owning your home sooner! This translates to greater monthly income from your investment.
Get Pre-Qualified
Great investment properties are out there but are often purchased by buyers “in the know” quickly. Increase your bargaining power by getting pre-qualified with us today.
Get started today!
Fill out the questionnaire on this page to start a discussion about your mortgage needs today!
Investment Property FAQs
What's required to finance an investment property?
Most conventional investment property loans require 15–25% down, depending on the property type and number of units. DSCR (Debt-Service Coverage Ratio) loans qualify based on the property's rental income rather than your personal income.
Can I use rental income to qualify?
Yes — projected or actual rental income can be used to offset the new mortgage payment. DSCR loans qualify entirely on the property cash flow, making them a popular option for investors with multiple properties.
Are vacation homes treated as investment properties?
No — vacation/second homes are a separate category with better terms than investment properties (typically 10% down, lower rates) as long as you occupy the home for part of the year and don't rent it out long-term.
Also worth looking at
Fixed Rate Mortgage
Interest rate and payments remain the same for the entire term of the loan. Common terms are 30, 20, 15, and 10 years.
Learn moreFHA Loan
A government-insured loan with flexible requirements — lower down payments, lenient credit, and competitive rates.
Learn moreVA Loan
Flexible VA home loans as either fixed-rate or ARM mortgages — for eligible service members, veterans, and surviving spouses.
Learn moreRehab Loan
Roll the costs of renovation into your loan — for buyers of fixer-uppers and owners planning major improvements.
Learn more