How does buying a home for rental investment work in Sweden?

Banks view investment properties ("investeringsbostäder") as higher risk and may require larger down payment ("kontantinsats") or offer worse rates. Rental income ("hyresintäkt") partially counts as income in credit assessments ("kreditprövning"), but the bank is conservative. You're taxed on rental income as capital income ("kapitalinkomst") after deducting expenses. Calculate carefully whether the numbers add up – include vacancies ("vakanser"), maintenance ("underhåll"), interest ("ränta"), and amortization ("amortering"). For co-ops ("bostadsrätter"), you need association approval for subletting ("andrahandsuthyrning"). Consider if the investment risk and work is worth the potential return.