Marsh Lending

How long do you plan to keep the loan you choose today? 🏡

If you're considering an adjustable-rate mortgage for an investment property, your expected timeline should be part of the conversation.

With a 3/1 ARM, for example, the initial rate is fixed for three years before it can begin adjusting according to the terms of the loan. An investor may evaluate that initial period alongside their plans for the property—including the possibility of refinancing later if market conditions and their circumstances make it advantageous.

Of course, future rates aren't guaranteed. That's why it's important to understand both the potential benefits and the risks before choosing an ARM.

Don't just finance the property. Finance with your timeline in mind.

Have questions about your options? Contact Marsh Lending.

📞 (214) 729-3180
✉️ [email protected]

Getting the property closed is important. But for an investor, the strategy doesn't end at closing.

Once you own the property, monthly payments, rental income, operating expenses and cash flow all become part of the equation.

That's why Aaron encourages investors to think about how the financing structure supports what they're trying to accomplish after they get the keys.

Depending on the property and your plans, options like interest-only or adjustable-rate financing may be worth exploring as part of that bigger strategy.

Planning your next investment? Talk with Marsh Lending about your options.

📞 (214) 729-3180
✉️ [email protected]

What does “interest-only” actually mean?

During the interest-only period, your scheduled mortgage payment covers the interest on the loan rather than paying down principal.

For an investor, that can potentially mean a lower required payment during that initial period and more room for cash flow. 💰🏡

But there’s an important tradeoff: those scheduled interest-only payments aren't reducing your principal balance.

That's why the conversation shouldn't stop at “What's my payment?” The better question is whether the loan structure fits your property, timeline and overall investment strategy.

Want to explore your investment-property financing options? Contact Marsh Lending.

📞 (214) 729-3180
✉️ [email protected]

When investors think about improving cash flow, the first question is often: How can I generate more rental income?

But revenue is only one side of the equation. 💰🏡

How you finance an investment property can also affect your monthly expenses. Depending on the loan, property and overall strategy, an interest-only or adjustable-rate structure may provide a lower initial payment and potentially leave more room for cash flow early in the investment.

The goal isn't simply to find a loan. It's to understand how the financing fits into the property's overall financial picture.

Thinking about your next investment property? Talk with Marsh Lending about the financing options available for your strategy.

📞 (214) 729-3180
✉️ [email protected]

Finding the right property is only part of the investment decision. Before choosing how to finance it, think about the bigger picture.

Will you use it personally? Rent it? Hold it in an LLC? Continue building your portfolio? Need personal borrowing capacity for something else down the road?

Those answers can help determine whether second-home financing or a business-purpose investment loan better aligns with your plans.

At Marsh Lending, the conversation isn’t just about getting to closing. It’s about understanding what you’re trying to accomplish with the property and exploring financing options that support that goal.

Ready to talk strategy?

📞 (214) 729-3180 | [email protected]

Can you buy an investment property in an LLC?

For certain business-purpose loans, the answer may be yes.

For real estate investors, how you own a property can be just as important as how you finance it. Certain investment-property loan structures may allow the property to be held in an LLC, creating greater separation between your investment activity and personal real estate.

This can be particularly relevant when you're purchasing a property specifically for short-term or long-term rental use.

Every situation is different, so make sure you have the right team around you. Talk with Marsh Lending about your financing options, and consult your legal and tax advisors about the ownership structure that makes sense for you.

📞 (214) 729-3180 | [email protected]