Can I buy an investment property with 10 percent down?
Rarely with a standard investment loan, which wants 15% to 25% down. The realistic 10%-down routes are house-hacking a multi-unit you'll occupy or a niche program tied to a strong-cash-flow property.
If 10% is your ceiling, we'll show what an owner-occupied multi-unit or a specific DSCR structure can do. We'll lay out the true minimum for a Florida rental.
Tough on a standard loan
Most conventional investment loans require 15% to 25% down, so a straight 10% is hard to find for a pure rental. Lenders treat rentals as higher risk than a primary home.
The clearest way to 10% or less is house hacking: buy a two-to-four unit with FHA at 3.5% down, live in one unit, and rent the others.
Other low-down angles
If you occupy the property, low-down loans open up. For a rental you will not live in, a DSCR loan can sometimes reach 15% to 20% down with strong cash flow.
There is often a creative path in. Apply now and we will find the lowest down payment for your investment plan.
Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.