Investment Property Mortgage Calculator

Work out the payment on a rental or investment property loan for any price, down payment, rate and term.

How it works

• Loan amount = price − down payment.
• The monthly payment uses the standard amortization formula for principal and interest. Add taxes and insurance separately.

Frequently asked questions

How much down payment does an investment property need?

Conventional loans usually require 15–25% down on a rental. DSCR and portfolio loans are often 20–25%.

Are rates higher on investment properties?

Usually yes, often by about half a percentage point to a point or more compared with a primary home.