Yes. On a one-unit investment property, conventional financing allows 15 percent down. That's the minimum for a single-family home or condo held as a rental; two-to-four-unit investment properties require 25 percent down. Treat those as program minimums that can change, and confirm current requirements when you apply. The 15 percent version comes at a real cost, and you want to see it before you fall in love with a deal: - Investment-property financing carries a higher rate than a primary residence, and the pricing often shows up as points. We lean against paying points, so compare from the zero-point rate to see the true cost. - At 15 percent down you'll also carry mortgage insurance, and MI on a rental isn't cheap. - Stack those together and the monthly payment climbs fast. Unless you're getting an exceptional price on the property itself, cash flow can be tight or negative once you add taxes, insurance, and any HOA. So 15 percent down is a legitimate tool, especially if you'd rather keep cash for reserves or the next purchase. Just run the specific property's cash flow at the actual payment before you rely on it. We can price 15 versus 20 versus 25 percent down side by side in a free Roadmap conversation so you can see where the deal actually pencils.