Side by side
| Second Home Loan | Investment Property Loan | |
|---|---|---|
| Down payment | From ~10% | 15–25% |
| Full-time rental allowed | No | Yes |
| Rate | Lower | Higher |
Figures are typical market ranges as of October 2026. Actual terms depend on the lender, your credit, the property and the program, and are confirmed on your Loan Estimate or term sheet.
Explore each option
Home loan
Second Home Loans
A second home loan finances a vacation or part-time residence you occupy for some of the year, often with as little as 10% down on a conventional loan.
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Investment propertyDSCR Loans
A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).
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Other comparisons
- DSCR Loan vs Conventional Investment Loan
- Bank Statement Loan vs Conventional Loan
- FHA Loan vs Conventional Loan
- VA Loan vs FHA Loan
- Fix and Flip Loan vs Hard Money Loan
- Bridge Loan vs HELOC
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- DSCR Loan vs Hard Money Loan
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