The best can depend on your situation. The two most common can be either a fixed-rate mortgage or an adjustable-rate mortgage. Fixed can have better rates and can stay the same throughout the term of it. Adjustable can start lower than fixed but can change later on based upon market conditions when interest rates go up again. You may be able to qualify for both types using passive income as long as you can make minimum payments each month after all other expenses and loan payments are made.