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Second home and investment property loans

Let's make your second home or rental a reality

Start online

Check the list. Define your loan.

The questions below can help guide you to the right loan to meet your needs.

Second home vs Rental property chart text Opens Overlay

What's a smart choice for your home away from home?

There’s more than one reason for a second home. It may be your refuge to relax or a condo for convenience. See if your plans qualify and explore a variety of options and benefits.

What qualifies as a second home?

What qualifies as a second home?

  • Must be lived in by the owner for some part of the year
  • Must be a one-unit home that can be used year-round
  • Belongs only to the buyer
  • Is not to be rented or run by a management company

Loan options:

Loan options:

  • Fixed and adjustable rates
  • Conventional conforming mortgages
  • Jumbo mortgages (including interest-only) up to $9.5 million
  • Down payments starting at 15% depending on loan size, property type and credit score

Additional benefits with Chase:

Additional benefits with Chase:

  • Guaranteed on-time closing or get $5,000

We promise an on-time closing for eligible products in as soon as three weeks or you'll get $5,000, if you qualify.

  • Gift funds allowed as down payment on some loans
  • Relationship Pricing Program including reduced interest rates and lower fees. Learn more

Your income opportunity starts with knowing your options

Extra income, adding to your nest egg or paving the way for your family’s ongoing success? There are many finance scenarios to consider when you’re planning to buy an investment property, and we can help you achieve your goal.

What qualifies as a rental property?

What qualifies as a rental property?

  • Can be up to four units
  • Can be run by a rental or management company
  • Does not have to be lived in by the owner during any part of the year
  • Condos are available for investment properties in Agency space. Not available for Non-Agency.
  • Co-ops are not allowed in either Agency or Non-Agency.

Loan options:

Loan options:

  • Fixed- and adjustable-rate
  • Conventional conforming mortgages
  • Jumbo fixed-rate and adjustable-rate mortgages
    • Loans up to $9.5 million
    • Down payments starting at 20% depending on loan size, property type and credit score.

Please note that cash-out refinancing not available for some loan types

Additional benefits with Chase

Additional benefits with Chase

  • Guaranteed on-time closing or get $5,000

We promise an on-time closing for eligible products in as soon as three weeks or you'll get $5,000, if you qualify.

  • Relationship Pricing Program including reduced interest rates and lower fees

The Ultimate Guide to Investment Property

Buying an investment home is an exciting opportunity for an additional stream of income, but there is a lot to consider. Our ultimate guide for investment properties is filled with tips, tools and resources to understand the process from getting financing to closing on your new home.

Get some real-world perspectives

These videos give you some quick tips and viewpoints from actual second-property owners, lenders and real estate agents.

Investment property

Investment property videoOpens Overlay

Weigh the benefits and risks before buying an investment property.

Vacation home

Vacation home videoOpens Overlay

Make sure a potential vacation home meets your personal and investment needs.

Compare cities for your 
investment property

Hear what Ryan Serhant has to say about properties 
in some of the most desirable U.S. cities.

Try our home value estimator

Get an estimated market value of the home you're interested in purchasing. Just enter the address and choose "Get Value."

Take the first step of preapproval

Ready to apply?

Ready to apply?