BiggerPockets Real Estate Podcast 5 Ways to Finance a Rental Property That Nobody Talks About
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Feb 4, 2026 They unpack five little-known ways to finance rental properties, including nonprofit NACA loans with no down payment and USDA loans that offer 100% financing in rural areas. They explain seller financing and how to structure deals directly with owners. Learn about assumable mortgages that let buyers inherit low COVID-era rates. Also covered: non-QM bank-statement loans for self-employed investors.
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NACA Loans Offer Unusually Low Rates
- NACA loans offer below-market rates (around 4.75–5.25%), no down payment, and no closing costs for qualified buyers.
- Henry Washington and Dave Meyer emphasize NACA's long process but call it a powerful entry path into multifamily ownership.
Programs Favor Owner-Occupant House-Hacking
- NACA and USDA target lower-to-moderate incomes and often allow multifamily purchases for house-hacking.
- Both programs include training and flexible underwriting to help new owners succeed.
No PMI Means Real Rate Savings With NACA
- NACA avoids PMI, so borrowers truly benefit from the low stated interest rate compared to FHA.
- The nonprofit structure lets qualified buyers access rates most conventional lenders won't offer.