How to finance short-term rental properties. Conventional investment loans require 15% down and are the cheapest option. You can get up to 10 loans as a single person or 20 if married and filing separately, but watch out for prepayment penalties.
10 per person (or 20 per married couple if each spouse qualifies separately).
15% down.
The interest rates are higher, there are prepayment penalties. I am of the mindset if you've got conventional loans left, which in the US you can have 10 per person or 20 per married couple as long as you can qualify separate from each other. If you put both of yourselves on the loan, then you can only get 10 collectively. But we alternate it. I think we both have a couple left. You don't have to complicate it. Everybody wants this like mind blowing creative financing thing that's like so crazy. You don't have to overcomplicate it. That 15% down investment loan conventional is always going to be the easiest and the cheapest.
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