Hi, I own a pre-construction property in Florida, I am not sure if it's going to be my primary resident as of yet - I would like to be able to choose to have it as an investment property if i so wish - but when i talk to mortgage brokers or banks ...they all give me a hard time about a loan if it's for an investment property. I have a 720 credit score, I am employed...from those i have spoke to they are saying if it's an investment property I need to put 20% of the purchase price down on the house and on any investment property. Is this the case with all mortgage brokers/banks. I hear people getting loans all the time for their investment properties and they don't have the 20% cash to put down on these properties...and they own several properties. How are they doing this? Appreciate any advice. Revital