Invest in U.S. real estate
Explore investment properties by region and type — and check the numbers before you buy.
Investing at today's rates
With the 30-year mortgage rate at 7.03% (Freddie Mac, September 24, 2026), financing costs take a bigger share of rental income than a few years ago. Many deals now depend on buying in the right market at the right price.
Where prices differ most
Regional medians in August 2026 ranged from $340,400 in the Midwest to $556,900 in the Northeast (NAR). Lower-priced regions often offer higher rent relative to price, while higher-priced regions may offer stronger long-term demand. See the full table on Market Insights.
Check these numbers first
- Cash flow — rent minus all costs, including the mortgage.
- Cap rate — net operating income ÷ price.
- The 1% rule — a quick filter for rent vs price.
- DSCR — whether rent covers the debt.
- Cash-on-cash return — return on the cash you put in.
We walk through all five with a worked example in Investing in rental property: 5 numbers to check.
How to buy an investment property
Set your budget
Use our mortgage calculator and get pre-approved so you know exactly what you can afford.
Search & shortlist
Filter homes by location, price and type, then save the ones that fit your needs.
Tour & negotiate
With inventory at a decade high, buyers today have more room to negotiate on price and terms.
Close with confidence
Complete inspection, appraisal and financing, then get the keys to your new home.
Common questions
What is a good cap rate?
It depends on the market and property type. Compare cap rates for similar properties in the same area rather than relying on a single national number.
Do investment properties need a bigger down payment?
Usually yes. Lenders often require more down for investment properties than for a home you live in. Check with lenders for current requirements.
Is cash flow or appreciation more important?
Cash flow pays the bills each month; appreciation is uncertain. Many investors aim for positive cash flow so they are not relying on prices rising.
Can I invest in a state I do not live in?
Yes, many investors buy out of state, often with local property management. Factor management fees into your numbers.
Related guides
Investing in Rental Property: 5 Numbers to Check Before You Buy
Cash flow, cap rate, the 1% rule, debt service coverage and cash-on-cash return — with a worked example at 7% mortgage rates.
Read article →Mortgages15-Year vs 30-Year Mortgage: Which One Saves You More?
A side-by-side comparison of 15-year and 30-year mortgages on a median-priced home at September 2026 rates: monthly payment, total interest and who each suits.
Read article →Market UpdateU.S. Housing Market Update: August 2026 in 6 Numbers
Median price, mortgage rates, inventory, sales pace, time on market and first-time buyers — the six numbers that explain the U.S. housing market right now.
Read article →Exploring investment properties?
Tell us your target region, budget and property type.