Can I Rent Out My House With a Mortgage?
Can I rent out my house with a mortgage? Usually, yes. Yes, many Florida homeowners rent out homes that still have a mortgage. The key is following your loan’s occupancy terms and updating your insurance.
Get My Free Rent Estimate Call (904) 478-7368
Know Your Occupancy Requirement
Most mortgages for a primary residence require you to move in within a set time after closing and live there for a period of time, often 12 months. After that, renting the home is usually allowed. Read your loan documents or ask your lender.
Don’t Hide It
Misrepresenting occupancy to get a loan can be serious. If you are unsure, talk to your lender before you rent.
Switch Your Insurance
A homeowner policy usually doesn’t cover a rented home. You will need a landlord policy, and flood insurance if the home is in a flood zone.
Thinking About Your Next Home?
Renting out your current home and buying another is common, especially for military families. Our affiliated mortgage broker explains using your VA loan twice and DSCR loans for rental properties.
Management Packages
Three plans built around how involved you want to be, your income goals, and your property’s needs.
Essential Package
10% of monthly rent
+ 75% of first month’s rent (leasing fee)
For owners who want trusted systems and basic support.
- Rental pricing analysis using CRM tools
- Preferred vendors (handymen, HVAC, plumbers)
- Full tenant screening: credit, income, background
- Online rent collection and owner portal
- Quarterly drive-by photo updates
- Monthly reporting and year-end tax documents
Professional Package
15% of monthly rent
+ 75% of first month’s rent (leasing fee)
For owners who want full leasing support and better oversight.
- Everything in Essential
- Listing on major rental platforms with professional photos
- Tenant showings scheduled and conducted
- Full tenant placement and lease signing
- Move-in and move-out coordination
- Monthly drive-by photo updates
- Maintenance fully coordinated by our team
Premium Package
20% of monthly rent
+ 75% of first month’s rent (leasing fee)
For out-of-state owners and investors who want full peace of mind.
- Everything in Professional
- Interior and exterior inspections twice a year with photo reports
- Eviction coordination (notices, filings, court)
- 24/7 emergency response
- Utility setup and tracking
- Dedicated Owner Success Manager
- Optional landscaping, pest control, and pool service
Own several rentals? Ask about reduced rates, as low as 8%, for multi-home investors. See full package details.
Why Homeowners Choose Rental Property Partners
- Veteran-owned and female-led local team that lives in the communities we serve
- Military-friendly: we work with service members renting out their homes after PCS orders
- Backed by an affiliated real estate brokerage and title company if you ever decide to sell
- Clear pricing with no surprise fees
Rent Out My House With a Mortgage FAQ
Does renting trigger my loan’s due-on-sale clause?
Renting is generally not a sale, but read your loan terms and ask your lender.
Can rental income help me buy another home?
Lenders may count part of the rent with a signed lease. Ask a loan officer.
Have questions? Call us or see our rent out my house with a mortgage options and pricing.
Talk to a Local Property Manager
Get your free rent estimate or call (904) 478-7368. We manage homes across Jacksonville, St. Johns, Clay, and Nassau counties, including Nocatee, St. Augustine, Orange Park, Jacksonville Beach, and Jacksonville.
Our Family of Companies
- Homes for sale in St. Augustine and Nocatee with Tanya Cosmini, Broker/Owner
- Realty ONE Group Elevate, a full-service real estate brokerage with offices in Jacksonville and St. Augustine
- Title Company of Florida, title insurance, escrow, and closings statewide
Affiliated business disclosure: Realty ONE Group Elevate is owned by Tanya Cosmini. Title Company of Florida is owned by her husband, Sam Gorniak, and Rental Property Partners is owned within the same family. Because of these family relationships, the owners may benefit when you use more than one of these companies. You are not required to use any of them and are free to choose other providers.
Rental Property Partners. Rental estimates are not guarantees of rent or occupancy. This page is general information, not legal or tax advice. Equal Housing Opportunity.
Rental Property Partners’ owner, Sam Gorniak, is a loan officer (NMLS #1954721) at Atlantic Trust Mortgage (NMLS #239592), which is not owned by or affiliated with Rental Property Partners. You are not required to use it.