No. The gap between investment and primary rates is risk-based pricing baked into how these loans are sold, and no lender can waive it as a promotion. An investment property carries a higher rate and a larger down payment requirement than a primary residence for a simple reason: a borrower under financial stress will protect the roof over their own head and let the rental go first. That higher default risk gets priced in through loan-level pricing adjustments, so the investment-property rate sits above the owner-occupied rate as a structural feature of the market. If someone quotes you a rental rate that matches a primary rate, they're almost certainly quoting a different loan or leaving out the pricing adjustments. Read the fine print. The size of the gap moves around, and the pricing rules change over time, so the only way to know your real number is to run your specific scenario: property type, down payment, credit, and reserves. That's what we price out in a free Roadmap conversation, and we shop nearly 100 investors to find the best available terms for an investment purchase.