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Rental loans: how much cash do I need?

Price, units, live there or not, rent. See which loans fit, the down payment, monthly PITI and DSCR, live.

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Number of units
Will you live in one unit?

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More settings
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Insurance follows the price (about 0.35%/yr) until you type your own quote. Rates are set at the top of the code and shown on each loan card.

Least cash to close
$0
Down payment$0
Closing costsEstimate$0
PITIPrincipal, interest, tax, insurance, mortgage insurance, HOA$0
DSCR—

Rates and some rules are estimates (marked). A lender's quote for your credit and file always wins.

Every loan type, side by side

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Next steps

  1. Living in one unit? See your real monthly cost after rent in T263 House hacking.
  2. Check if it cash flows after all expenses in T146 Rental cash flow.
  3. Build a real expense list (tax, insurance, repairs, city fees) with T261.
  4. See what happens if rent drops or rates rise in T264 Stress test.

Many people get this wrong: "5% down works on any fourplex if I live there." Only if the loan stays at or under the baseline limit ($1,601,750 for 4 units). Above that it's a high-balance loan and Fannie wants 25% down on 3–4 units, 15% on a duplex. In Bay Area prices, that line comes fast.