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 Rates subject to change without notice

 Conforming Loan amounts up to $766,550 | FHA Loan Limits are specific to each Florida County
Check to See Florida FHA loan limits here

Investment Property Mortgages

Florida Investment Home Mortgages

Thinking of buying an additional property for a new source of income? That would be considered an investment home. Investment homes tend to have the highest interest rates and down payment requirements of all property types. Reserve requirements also apply to investment homes.

What Are the Advantages of Conforming Investment Home Mortgages?

  • No prepayment penalty ever
  • 30yr, 25yr, 20yr, 15yr, or 10yr
  • Up to 43% debt to income ratio

What Are the Requirements?

  • Minimum credit score 680
  • Debt to income ratio under 43%
  • 15% Minimum down payment for Single Family Properties
  • 25% Minimum down payment for Multi-Family Properties
  • You plan on collecting rent from the property. If so, you may need to submit a lease agreement that confirms the property is already occupied by a tenant.

Keep in mind that when buying an investment home, you may not be able to include your future rental income from the property in your mortgage application.

Affordability Qualifier
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You’ve estimated your affordability, now get pre-qualified by Fidelity Home Group to find out just how much you can borrow.

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