Financing That Thinks Like an Investor
Securing a mortgage for an investment property is fundamentally different from a primary residence. Lenders have stricter criteria, and the right financing structure is key to your cash flow and ROI. We specialize in navigating these complexities, ensuring your financing accelerates, not hinders, your investment goals.
Minimum Down Payment Requirements
Investment properties require a minimum 20% down payment. We’ll help you understand how to source these funds and structure your financing for optimal cash flow.
Rental Income Qualification
Lenders typically count 50-75% of potential rental income toward your qualifying income. We’ll help you present market rent analysis to maximize this benefit.
Ideal Investment Properties
Learn which property types and locations offer the best combination of cash flow, appreciation potential, and financing accessibility for new investors.
Refinancing to Access Equity (BRRRR Strategy)
Buy, Renovate, Rent, Refinance, Repeat. We’ll help you pull equity from appreciating properties to fund your next investment without depleting your cash reserves.
Portfolio Mortgages
As your portfolio grows, we can arrange portfolio mortgages that consider your entire real estate holdings, often providing better rates and terms.
Managing Multiple Properties
Learn strategies for managing cash flow across multiple properties, timing renewals effectively, and maintaining strong lender relationships as you scale.
Credit & Financial Requirements
- Credit score of 680+ preferred
- Proof of liquid net worth
- Stable employment income
- Low debt-to-income ratio
Investment Plan Documentation
- Market rent analysis
- Property management plan
- Cash flow projections
- Exit strategy outline
Mona is more than a broker; she’s a key part of my investment team. Her strategic advice on refinancing has been instrumental in allowing me to scale my portfolio faster than I thought possible. A true professional.
