Rental and investment property

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Rental & Investment Properties

Real estate is one of the most powerful ways to build long-term wealth, and securing the right financing is key to maximizing your investment potential. Whether you’re buying your first rental property or expanding your real estate portfolio, having the right mortgage strategy can help you increase cash flow, reduce costs, and grow your equity over time.

Investment property mortgages differ from primary residence financing. Lenders often require a minimum 20% down payment for non-owner-occupied properties and assess rental income to determine affordability. You can choose between fixed or variable-rate mortgages, conventional or insured options, and interest-only or fully amortizing loans. Financing structures like HELOCs, rental offset, and debt service calculations also play a role in maximizing your borrowing power.

The biggest advantage of investing in real estate is leveraging your property’s equity to generate rental income and appreciation. A well-financed rental property can provide passive income, tax benefits, and long-term financial security. Additionally, strategic refinancing or using a Home Equity Line of Credit (HELOC) can help you reinvest in more properties.

Every investor’s strategy is different, and getting the right mortgage can make all the difference in your return on investment. I specialize in helping investors secure the best mortgage solutions for rental properties, multi-unit homes, and long-term investment strategies. Let’s connect and find the best financing options to grow your real estate portfolio!