Property types

Vacation home

A second home for personal use, sometimes rented out part of the year.

Why it is hard

Occupancy rules decide whether it is a second home or an investment property, which changes pricing and down payment.

What to ask a loan officer

Will this qualify as a second home or an investment property?
Can I rent it out part time and keep second home pricing?
How do you treat short-term rental income?

Also called

vacation home, second home, beach house, cabin, lake house, ski condo, short-term rental, airbnb

Find a loan officer

Ranked loan officers by state and city are coming soon. Agents can query now: /api/v1/loan-officers?specialty=vacation-home&state=FL or this specialty as JSON.