Yes, you can put down 10% for a second home, HOWEVER the rate adjustments for a second home and investment property have been the same for several years now.

Like others have mentioned, there’s appreciation, depreciation, leverage, and tax benefits that produce a compelling risk adjusted return. 

@Gash Nookala,Renting can indeed be slower in winter, but here are some tips to boost interest:Enhance Listing: Ensure your listing has detailed descriptions and high-quality photos—consider professional photography if needed.Competitive Pricing: Double-check local comps; even a slight price adjustment or incentives (like a reduced deposit) could attract more interest.Broaden Marketing: Beyond Zillow, Hemlane, and MLS, use social media, community boards, and local business connections to reach a wider audience.Flexible Lease Terms: Offering shorter or month-to-month leases might appeal to tenants during this slower season.Local Property Manager: A local pro can tap into their network and help fill the vacancy faster.These steps should help you find a tenant despite the seasonal slowdown.

Her GoFundMe Headline: Hollywood in Milwaukee: Foreclosed Spaces to Film StudiosDon't judge too quickly, she is adjusting for focus in life and moving into a new chapter.

So I would encourage you to adjust your expectations starting out and develop the discipline of saving money so that every month your net worth is higher than the month before.

For example:CapEx: $250-300 per unit per year for older properties, adjusted based on age and condition.Maintenance: $500-800 per unit per year, depending on property class and tenant turnover.Make-Ready Costs: $1,000-2,000 per unit for turnover, depending on the scope of work required.Resources and Tools: Utilize tools like BiggerPockets’ Pro Calculator or other underwriting spreadsheets that have built-in assumptions for these categories.

This deal reaffirmed the value of speed and precision.

Unfortunately there is a rate adjustment adjustment between 75% and 80% ltv on almost any product.

Sometimes they’ve got resources or connections that could help speed things up.What’s your biggest concern going into the hearing?

Adjusting for it allowed him to realize his property’s ROI was still positive but not as high as initially hoped.