Conventional Investment 15% Down 2–4 Units

Are you ready to scale your real estate portfolio and maximize rental income opportunities? The Conventional Investment Property loan program allows you to purchase a 2–4 unit rental property with a minimum 15% down payment, providing an excellent pathway for investors who want to expand into multi-unit real estate. With multiple rental units under one roof, you can diversify income streams and build wealth more efficiently.

To qualify, borrowers generally need a minimum credit score of 700; however, some lenders may consider scores as low as 680, provided the debt-to-income (DTI) ratio does not exceed 36%. Lenders typically also require cash reserves equal to at least six months of mortgage payments for the subject property to ensure financial stability. Unlike primary residences, gift funds are not typically allowed for the down payment on investment properties. Additionally, when putting less than 20% down, private mortgage insurance (PMI) is required, though PMI costs are generally more favorable at the 15% down level than at lower down payment options.

This loan program offers investors a strategic opportunity to generate multiple rental income streams while leveraging a relatively modest initial investment. By acquiring a 2–4 unit property, you can increase cash flow potential, build equity faster, and accelerate your journey toward long-term financial growth. To explore how this program can help you reach your real estate investment goals, watch our explainer video or click Schedule a Meeting to connect with one of our mortgage specialists for personalized guidance.