Mortgage Resources
At Play Hard Vacation Homes, we believe that home is more than a place you stay — it’s where memories are built. If you’re dreaming not only of vacations but also of owning the perfect home, our trusted partner, Work Hard Mortgage, can help you make that a reality.
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Find Out What You Can Afford
Ready to take the next step toward owning your dream home — or even a vacation getaway? Our Mortgage Affordability Calculator can give you a quick estimate of how much home you may be able to afford based on your income, expenses, and current rates.
Once you’ve explored the numbers, let’s make it real. Ryan Harding and the Work Hard Mortgage team can review your situation, answer your questions, and provide a personalized pre‑approval so you can start shopping with confidence.
Whether you’re enjoying a relaxing stay in one of our rentals or preparing to buy a place of your own, we believe in working hard to make life’s biggest investments simple — so you can play hard and enjoy the rewards.
Vacation Home & Mortgage FAQs
Everything you need to know about financing a second home or investment property.
Question 1: What’s the difference between a second home and an investment property?
A second home (like a vacation home) is a property you plan to use for personal stays throughout the year. An investment property, on the other hand, is primarily purchased to generate rental income. Lenders look at these differently when it comes to down payment, interest rates, and qualifying requirements. At Work Hard Mortgage, we’ll help you decide which option best fits your goals — and make sure you get the right financing.
Question 2: Can I use rental income from a vacation property help me qualify for a loan?
Yes — in many cases, projected rental income can be factored into your loan qualification for an investment property. Lenders may require a rental appraisal or documentation of market rents in the area. If the home will be a true second home you occasionally rent out, the rules are a little different, and we can walk you through the best strategy to qualify.
Question 3: How much do I need for a down payment on a vacation home or investment property?
For a true second home, down payments typically start around 10%, though requirements can vary. For an investment property, most lenders require 15–25% down depending on the loan program and your financial profile. If you’re looking for creative options, we’ll review available programs and help you find the right fit for your budget.
Question 4: Is now a good time to buy a second home or investment property?
Market conditions can vary, but one thing remains consistent: the best time to buy is when you’re personally and financially ready. Owning a second home or investment property can build long‑term wealth and create a place for family memories — but timing matters. At Work Hard Mortgage, we’ll help you evaluate your finances, explore current rates, and decide if now is the right move for you.
