How Can I Buy A Second Property May 2026

: Most lenders look for a DTI ratio of 36% or less , including both your current and new mortgage payments.

: While primary homes can often be bought with 3–5% down, second homes typically require at least 10–25% . Investment properties often demand a minimum of 15–25% . how can i buy a second property

Lenders view second properties as higher risk, leading to more rigorous qualification standards: : Most lenders look for a DTI ratio