{"id":805,"count":4,"description":"Financing a vacation home sits somewhere between a primary residence and an investment property, and lenders treat it as its own category. This category covers second home loans: the down payment lenders expect, how rates compare to your primary mortgage, and the occupancy rules that decide whether your property counts as a second home or a rental. You'll find posts on qualifying while carrying two mortgages, financing a cabin or condo, what changes if you rent it out part of the year, and whether buying now or waiting makes more sense.","link":"https:\/\/riverbankfinance.com\/blog\/category\/vacation-homes\/","name":"Vacation Homes","slug":"vacation-homes","taxonomy":"category","parent":0,"meta":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Financing a vacation home sits somewhere between a primary residence and an investment property, and lenders treat it as its own category. 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