What makes home loan rates higher to have 2nd land and investment properties? Minimal downpayment having a single-unit, single-relatives house, townhome, or condo money spent is fifteen% of purchase price. For a couple of-to-4-product services, brand new deposit risen up to 25%. 15% deposit try $75,000 25% downpayment try $125,000 Money spent-Minimum advance payment You can utilize a normal loan purchasing a residential property. Loan providers wanted a great fifteen%