Marsh Lending

Don't just ask, “What's the rate?” 🏡

Interest rate is important—but investment-property financing involves more than one number.

Consider the entire structure:

💰 What will the monthly payment be?
📊 How does it affect cash flow?
🏡 Are you paying down principal?
📈 When can the rate change?
⏱️ How long do you expect to keep the loan?

Interest-only loans and adjustable-rate mortgages can offer opportunities for certain investment strategies, but they also come with tradeoffs worth understanding.

At Marsh Lending, the goal isn't simply to quote a rate. It's to help you understand the financing options available and how they fit into what you're trying to accomplish.

🌐 marshlending.com

#RealEstateInvesting #InvestmentProperty #MortgageStrategy #ShortTermRental #MarshLending

1 week ago | [YT] | 0

Marsh Lending

Cash flow now or principal paydown? 🏡💰

For an investment-property owner, different financing structures may prioritize different things.

During an interest-only period, scheduled payments cover interest without reducing the principal balance. That may provide a lower required payment and potentially leave more room for cash flow—but you aren't building equity through principal reduction from those scheduled payments during that time.

That doesn't automatically make one approach better than another.

It makes your investment strategy important.

Consider what you're prioritizing: monthly cash flow, principal reduction, your expected holding period and your future plans for the property.

Explore investment-property financing options with Marsh Lending.

🌐 marshlending.com

#InterestOnly #CashFlow #InvestmentProperty #RealEstateInvesting #MarshLending

1 week ago | [YT] | 0

Marsh Lending

What is a 3/1 adjustable-rate mortgage? 🏡

Let's break down the numbers:

3️⃣ The initial interest rate is fixed for the first three years.

1️⃣ After that period, the rate can adjust once per year according to the terms of the loan.

For an investment-property buyer, that initial fixed-rate period may be worth evaluating alongside your expected timeline for the property and loan.

But an ARM also comes with future rate and payment uncertainty. Understanding when and how the rate can adjust is critical before deciding whether this financing structure fits your strategy.

Explore investment-property financing options with Marsh Lending.

🌐 marshlending.com

#ARM #AdjustableRateMortgage #InvestmentProperty #RealEstateInvesting #MarshLending

2 weeks ago | [YT] | 0

Marsh Lending

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

When evaluating an adjustable-rate mortgage for an investment property, your expected timeline matters.

A 3/1 ARM, for example, starts with a three-year fixed-rate period before the rate can begin adjusting according to the loan terms.

Some investors may consider that initial period alongside their expected plans for the property and the possibility of refinancing later if market conditions and their circumstances make it advantageous.

But future rates aren't guaranteed. Understanding both the potential opportunity and the risk is an important part of evaluating an ARM.

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

🌐 marshlending.com

#AdjustableRateMortgage #RealEstateInvesting #InvestmentProperty #MortgageStrategy #MarshLending

2 weeks ago | [YT] | 0

Marsh Lending

For an investor, getting to the closing table is only the beginning. 🏡

After closing, your mortgage payment becomes part of a bigger equation that includes rental income, operating expenses and cash flow.

That's why Aaron encourages investors to consider how different financing structures could support the early stages of their investment.

Depending on the property and strategy, interest-only and adjustable-rate mortgages are two options that may be worth exploring.

The goal isn't simply to close the loan. It's to understand how the financing fits into what you're trying to accomplish with the investment.

🌐 marshlending.com

#CashFlow #RealEstateInvesting #InvestmentProperty #MortgageStrategy #MarshLending

3 weeks ago | [YT] | 0

Marsh Lending

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 may provide a lower required payment during the initial period and potentially leave more room for cash flow.

But the tradeoff matters: those scheduled interest-only payments aren't reducing the principal balance.

That's why the right financing conversation goes beyond today's payment. The loan structure should make sense for your property, timeline and overall investment strategy.

Learn more about investment-property financing with Marsh Lending:

🌐 marshlending.com

#InterestOnly #InvestmentProperty #RealEstateInvesting #MortgageStrategy #MarshLending

3 weeks ago | [YT] | 0

Marsh Lending

More cash flow doesn't always start with more revenue. 💰🏡

For a real estate investor, rental income is only one side of the equation. Your mortgage payment is part of it, too.

Depending on the loan and your strategy, interest-only or adjustable-rate financing may provide a lower initial payment—potentially leaving more room for cash flow early in the investment.

At Marsh Lending, we look beyond simply finding a loan. We help investors understand how different financing options may fit into the property's overall financial picture.

🌐 marshlending.com

#RealEstateInvesting #CashFlow #InvestmentProperty #ShortTermRental #MarshLending

4 weeks ago | [YT] | 0

Marsh Lending

You found the property. Now finance the plan. 🏡

Finding the right property is only part of the decision.

Before you finance, consider the bigger picture:

Will you use it personally? Generate rental income? Hold it in an LLC? Continue building your investment portfolio? Need personal borrowing capacity later?

The 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 a loan. 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 | hello@marshlending.com

#RealEstateInvesting #InvestmentProperty #SecondHome #MortgageStrategy #MarshLending

1 month ago | [YT] | 0

Marsh Lending

Could the right loan structure mean more cash flow now? 💰🏡

For real estate investors—especially those purchasing short-term rentals—there’s more to consider than simply choosing a traditional fixed-rate mortgage.

In this video, Aaron Marsh breaks down interest-only loans vs. adjustable-rate mortgages (ARMs) and explains why some investors may consider these options when prioritizing cash flow early in an investment.

Which option makes sense depends on the property, your plans, your expected holding period and your overall investment strategy.

▶️ Watch the full video: https://youtu.be/UR86hiyMd-4?si=aahZS...

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

📞 (214) 729-3180
🌐 marshlending.com

#RealEstateInvesting #InvestmentProperty #ShortTermRental #InterestOnly #AdjustableRateMortgage #MarshLending

1 month ago | [YT] | 0

Marsh Lending

Can you buy an investment property in an LLC?

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

For investors, how you own a property can be an important part of the financing conversation. Certain loan structures may allow an investment property to be held in an LLC, particularly when the property is being purchased for short-term or long-term rental use.

Loan requirements and structures vary, so talk with a mortgage professional about your financing options and your legal and tax advisors about the ownership structure appropriate for you.

Marsh Lending can help you explore the financing options available for your next investment.

📞 (214) 729-3180
🌐 marshlending.com

#LLC #InvestmentProperty #RealEstateInvesting #RentalProperty #MarshLending

1 month ago | [YT] | 0