Financing - do I have to to put 25% down for all investment prop?

[Kelly Kolker]

I love overseas and have 4 investment properties back home in the US. If I want to keep investing, do I have to keep putting 25% down for the loan bc it’s an investment prop as opposed to a primary or secondary mortgage?

Thanks!

[Joseph Firmin]

Hi @Kelly Kolker - Short answer: No. You can go commercial and get a commercial loan that packages all 4 properties together. I'm doing this now with a credit union and getting 85% LTV (15% down). Additionally, if you go the residential lending way, then you can find lenders willing to lend on the income of the property and not necessarily need the 20-25% that is conventional. Usually 25% is for a multifamily and 20 is for a SFH.