Vacation rental minimum down payment?

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Hi All,

I am wondering what is the lowest down payment product that anyone has heard of for a vacation rental/ home. Well aware of the pitfalls of vacation homes but I figure if the numbers worked and I get it when it's not rented it's something worth looking into. Thanks in advance!


If you buy it as a second home through Fannie Mae, you will need to put 10% down and you must occupy the home for a min. of 15 days a year. After that, what you do with it is up to you?

A vacation house is like your primary house, so the down payment (5%) and interest rate will be the same as primary house.  Rental property will be to be 20%, while a duplex will need 25%.