{"id":130801,"date":"2025-01-11T02:21:33","date_gmt":"2025-01-11T02:21:33","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/can-you-avoid-pmi-on-owner-occupied-rental\/"},"modified":"2025-01-11T02:21:33","modified_gmt":"2025-01-11T02:21:33","slug":"can-you-avoid-pmi-on-owner-occupied-rental","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/can-you-avoid-pmi-on-owner-occupied-rental\/","title":{"rendered":"Can you avoid PMI on owner-occupied rental?"},"content":{"rendered":"<p>Private Mortgage Insurance (PMI) is typically required by lenders when a home buyer puts down less than 20% on a conventional loan. However, when it comes to owner-occupied rentals, the rules are a bit different.<\/p>\n<p>In most cases, it is not possible to avoid PMI on an owner-occupied rental property. Lenders typically require PMI to protect themselves in case the borrower defaults on the loan. This is especially common when the borrower has less than 20% equity in the property.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/can-you-avoid-pmi-on-owner-occupied-rental\/#FAQs_about_avoiding_PMI_on_owner-occupied_rental\" title=\"FAQs about avoiding PMI on owner-occupied rental:\">FAQs about avoiding PMI on owner-occupied rental:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/can-you-avoid-pmi-on-owner-occupied-rental\/#1_Can_I_get_rid_of_PMI_once_I_reach_20_equity_in_my_owner-occupied_rental\" title=\"1. Can I get rid of PMI once I reach 20% equity in my owner-occupied rental?\">1. Can I get rid of PMI once I reach 20% equity in my owner-occupied rental?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/can-you-avoid-pmi-on-owner-occupied-rental\/#2_Is_there_a_way_to_avoid_PMI_altogether_when_buying_an_owner-occupied_rental_property\" title=\"2. Is there a way to avoid PMI altogether when buying an owner-occupied rental property?\">2. Is there a way to avoid PMI altogether when buying an owner-occupied rental property?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/can-you-avoid-pmi-on-owner-occupied-rental\/#3_Can_I_refinance_my_owner-occupied_rental_property_to_get_rid_of_PMI\" title=\"3. Can I refinance my owner-occupied rental property to get rid of PMI?\">3. Can I refinance my owner-occupied rental property to get rid of PMI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/can-you-avoid-pmi-on-owner-occupied-rental\/#4_Are_there_any_special_programs_or_incentives_for_avoiding_PMI_on_owner-occupied_rentals\" title=\"4. Are there any special programs or incentives for avoiding PMI on owner-occupied rentals?\">4. Are there any special programs or incentives for avoiding PMI on owner-occupied rentals?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/can-you-avoid-pmi-on-owner-occupied-rental\/#5_Can_I_make_additional_payments_towards_my_loan_to_reach_20_equity_faster\" title=\"5. Can I make additional payments towards my loan to reach 20% equity faster?\">5. Can I make additional payments towards my loan to reach 20% equity faster?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/can-you-avoid-pmi-on-owner-occupied-rental\/#6_Should_I_consider_putting_down_a_larger_down_payment_to_avoid_PMI_on_my_owner-occupied_rental\" title=\"6. Should I consider putting down a larger down payment to avoid PMI on my owner-occupied rental?\">6. Should I consider putting down a larger down payment to avoid PMI on my owner-occupied rental?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/can-you-avoid-pmi-on-owner-occupied-rental\/#7_Can_I_negotiate_with_my_lender_to_avoid_PMI_on_my_owner-occupied_rental_property\" title=\"7. Can I negotiate with my lender to avoid PMI on my owner-occupied rental property?\">7. Can I negotiate with my lender to avoid PMI on my owner-occupied rental property?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/can-you-avoid-pmi-on-owner-occupied-rental\/#8_Are_there_any_downsides_to_avoiding_PMI_on_an_owner-occupied_rental_property\" title=\"8. Are there any downsides to avoiding PMI on an owner-occupied rental property?\">8. Are there any downsides to avoiding PMI on an owner-occupied rental property?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/can-you-avoid-pmi-on-owner-occupied-rental\/#9_Can_I_transfer_the_title_of_my_owner-occupied_rental_property_to_a_different_entity_to_avoid_PMI\" title=\"9. Can I transfer the title of my owner-occupied rental property to a different entity to avoid PMI?\">9. Can I transfer the title of my owner-occupied rental property to a different entity to avoid PMI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/can-you-avoid-pmi-on-owner-occupied-rental\/#10_Is_it_possible_to_have_the_property_appraised_to_show_higher_value_and_avoid_PMI_on_my_owner-occupied_rental\" title=\"10. Is it possible to have the property appraised to show higher value and avoid PMI on my owner-occupied rental?\">10. Is it possible to have the property appraised to show higher value and avoid PMI on my owner-occupied rental?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/can-you-avoid-pmi-on-owner-occupied-rental\/#11_Can_I_rent_out_part_of_my_owner-occupied_rental_property_to_help_avoid_PMI\" title=\"11. Can I rent out part of my owner-occupied rental property to help avoid PMI?\">11. Can I rent out part of my owner-occupied rental property to help avoid PMI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/can-you-avoid-pmi-on-owner-occupied-rental\/#12_Are_there_any_tax_benefits_to_avoiding_PMI_on_an_owner-occupied_rental_property\" title=\"12. Are there any tax benefits to avoiding PMI on an owner-occupied rental property?\">12. Are there any tax benefits to avoiding PMI on an owner-occupied rental property?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"FAQs_about_avoiding_PMI_on_owner-occupied_rental\"><\/span>FAQs about avoiding PMI on owner-occupied rental:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_Can_I_get_rid_of_PMI_once_I_reach_20_equity_in_my_owner-occupied_rental\"><\/span>1. Can I get rid of PMI once I reach 20% equity in my owner-occupied rental?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can typically request to have PMI removed once you have reached 20% equity in your property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Is_there_a_way_to_avoid_PMI_altogether_when_buying_an_owner-occupied_rental_property\"><\/span>2. Is there a way to avoid PMI altogether when buying an owner-occupied rental property?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nOne way to avoid PMI altogether is to explore other loan options, such as an FHA loan or a VA loan, which do not require PMI.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Can_I_refinance_my_owner-occupied_rental_property_to_get_rid_of_PMI\"><\/span>3. Can I refinance my owner-occupied rental property to get rid of PMI?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can refinance your loan to remove PMI if you have reached 20% equity in your property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Are_there_any_special_programs_or_incentives_for_avoiding_PMI_on_owner-occupied_rentals\"><\/span>4. Are there any special programs or incentives for avoiding PMI on owner-occupied rentals?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSome lenders may offer special programs or incentives for borrowers who can avoid PMI, such as lower interest rates or reduced closing costs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_I_make_additional_payments_towards_my_loan_to_reach_20_equity_faster\"><\/span>5. Can I make additional payments towards my loan to reach 20% equity faster?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, making additional payments towards your loan can help you reach 20% equity faster and potentially avoid PMI.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Should_I_consider_putting_down_a_larger_down_payment_to_avoid_PMI_on_my_owner-occupied_rental\"><\/span>6. Should I consider putting down a larger down payment to avoid PMI on my owner-occupied rental?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nPutting down a larger down payment, such as 20% or more, can help you avoid PMI on your owner-occupied rental.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_I_negotiate_with_my_lender_to_avoid_PMI_on_my_owner-occupied_rental_property\"><\/span>7. Can I negotiate with my lender to avoid PMI on my owner-occupied rental property?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile it may be possible to negotiate with your lender to avoid PMI, it is not common practice.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Are_there_any_downsides_to_avoiding_PMI_on_an_owner-occupied_rental_property\"><\/span>8. Are there any downsides to avoiding PMI on an owner-occupied rental property?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nOne downside of avoiding PMI is that it may require a larger down payment, which could impact your cash flow or investment strategy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_transfer_the_title_of_my_owner-occupied_rental_property_to_a_different_entity_to_avoid_PMI\"><\/span>9. Can I transfer the title of my owner-occupied rental property to a different entity to avoid PMI?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTransferring the title of your property to a different entity may not necessarily help you avoid PMI, as it is typically based on the loan terms and equity in the property.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Is_it_possible_to_have_the_property_appraised_to_show_higher_value_and_avoid_PMI_on_my_owner-occupied_rental\"><\/span>10. Is it possible to have the property appraised to show higher value and avoid PMI on my owner-occupied rental?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nHaving the property appraised to show a higher value may help you reach 20% equity faster, but it may not necessarily help you avoid PMI altogether.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_I_rent_out_part_of_my_owner-occupied_rental_property_to_help_avoid_PMI\"><\/span>11. Can I rent out part of my owner-occupied rental property to help avoid PMI?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nRenting out part of your property may help generate additional income, but it is unlikely to help you avoid PMI on your loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Are_there_any_tax_benefits_to_avoiding_PMI_on_an_owner-occupied_rental_property\"><\/span>12. Are there any tax benefits to avoiding PMI on an owner-occupied rental property?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile avoiding PMI can save you money on monthly payments, there are typically no tax benefits specifically related to avoiding PMI on a rental property.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Private Mortgage Insurance (PMI) is typically required by lenders when a home buyer puts down less than 20% on a conventional loan. However, when it comes to owner-occupied rentals, the rules are a bit different. In most cases, it is not possible to avoid PMI on an owner-occupied rental property. Lenders typically require PMI to &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Can you avoid PMI on owner-occupied rental?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/can-you-avoid-pmi-on-owner-occupied-rental\/#more-130801\">Read more<span class=\"screen-reader-text\">Can you avoid PMI on owner-occupied rental?<\/span><\/a><\/p>\n","protected":false},"author":25,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-130801","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can you avoid PMI on owner-occupied rental?<\/title>\n<meta name=\"description\" content=\"Private Mortgage Insurance (PMI) is typically required by lenders when a home buyer puts down less than 20% on a conventional loan. 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