This is exactly the kind of loan banks ought to be making. Here is a high income couple with great credit, ready to put over 25% down on a SFH to rent out. The banks are apparently so traumatized by the regulators and bank examiners that they won’t likely go for it even though the interest rate on an investment property may be 2 percentage points over the going rate for an owner-occupier. The prejudice against investor-owners is keeping the market from recovering.
