Marsh Lending

Thinking about your next investment? Don’t just think about this closing.

Real estate investors often have bigger plans—another rental, another acquisition or an entirely different personal financing need down the road.

That’s why it’s important to understand how the financing you choose today could affect your debt-to-income ratio and future borrowing power.

Second-home financing typically becomes part of your personal financial picture, while certain business-purpose investment structures may be treated differently depending on the loan and ownership structure.

Think beyond this closing. Think about the next opportunity, too.

Talk with Marsh Lending about financing that fits your bigger strategy.

📞 (214) 729-3180
🌐 marshlending.com

#RealEstateInvesting #InvestmentProperty #MortgageStrategy #MarshLending

1 day ago | [YT] | 0

Marsh Lending

Second home or investment property? 🏡

Once you've found the property, deciding how to finance it is an important next step.

A vacation home primarily for you and your family and a property purchased to generate rental income serve different purposes—and may call for different financing strategies.

Before looking only at rate or down payment, start with how you actually plan to use the property.

Marsh Lending can help you explore the options and find a financing strategy built around your plans.

📞 (214) 729-3180
🌐 marshlending.com

#SecondHome #InvestmentProperty #RealEstateInvesting #MarshLending

3 days ago | [YT] | 0

Marsh Lending

Second home or investment property? 🏡 The difference matters—especially when it comes to financing.

If you’ve found a property you want to buy, the next question is: How do you plan to use it?

A true second home for you and your family can look very different from a property you plan to operate as an Airbnb, VRBO, short-term rental or long-term investment.

In this video, Aaron Marsh breaks down some of the key differences between second-home and investment-property financing and what to consider before choosing your path.

▶️ https://youtu.be/rNGscrcAMx4?si=tOOJb...

Thinking about purchasing a second home or investment property? Marsh Lending can help you explore the financing options that fit your plans.

📞 (214) 729-3180
🌐 marshlending.com

#RealEstateInvesting #InvestmentProperty #SecondHome #RentalProperty #MortgageTips #MarshLending

4 days ago | [YT] | 0

Marsh Lending

How Long Will It Take to Break Even on Mortgage Points?

Paying mortgage points upfront can lower your interest rate and monthly payment—but how long will it take those savings to recover what you spent?

That’s the break-even calculation.

As Aaron Marsh explains, understanding that timeline can help you determine whether buying points actually makes sense for your mortgage and your plans for the property.

It’s not just about getting a lower rate. It’s about making the math work.

📞 (214) 729-3180
🌐 marshlending.com

#MortgagePoints #MortgageRates #MortgageEducation #MortgageTips #MarshLending

6 days ago | [YT] | 0

Marsh Lending

When Do Mortgage Points Make Sense?

Buying points isn’t automatically the right move just because they can lower your mortgage rate.

As Aaron Marsh explains, the decision depends largely on how long you plan to keep the property and mortgage—and whether you’ll reach your break-even point before selling or refinancing.

The goal isn’t simply the lowest rate. It’s financing that makes sense for your plans.

Want help evaluating your options? Marsh Lending can help you run the numbers.

📞 (214) 729-3180
🌐 marshlending.com

#MortgagePoints #MortgageRates #MortgageStrategy #MortgageTips #MarshLending

1 week ago | [YT] | 0

Marsh Lending

Planning to refinance? Think twice about buying mortgage points.

Paying points upfront may help you secure a lower interest rate, but you need to keep the mortgage long enough for your monthly savings to recover that initial expense.

If you refinance when rates improve—or sell the property before reaching your break-even point—you may never recoup what you paid.

That’s why buying points isn’t automatically the right choice for every borrower.

Your timeline changes the math.

📞 (214) 729-3180
🌐 marshlending.com

#MortgagePoints #Refinance #MortgageRates #MortgageEducation #MarshLending

1 week ago | [YT] | 0

Marsh Lending

A lower mortgage rate isn't always the better deal.

Buying points means paying additional money upfront in exchange for a lower interest rate. Whether that makes financial sense depends on more than the rate itself.

Consider the cost of the points, your monthly savings, how long it will take to break even and how long you expect to keep the mortgage.

Don’t evaluate the rate alone. Evaluate the entire deal.

Need help running the numbers? Talk with Marsh Lending.

📞 (214) 729-3180
🌐 marshlending.com

#MortgageRates #MortgagePoints #MortgageEducation #MortgageTips #MarshLending

1 week ago | [YT] | 0

Marsh Lending

What exactly is a mortgage point? 🏡

One mortgage point generally costs 1% of your loan amount. On a $100,000 mortgage, that means one point would cost $1,000 upfront.

Paying points may help lower your interest rate, but that doesn’t necessarily mean it’s the right move for every borrower. The key is understanding the upfront cost, potential monthly savings and how long it will take to break even.

Before you buy points, understand the numbers—and make sure they work for your financial goals.

📞 (214) 729-3180
🌐 marshlending.com

#MortgagePoints #MortgageRates #MortgageEducation #MortgageTips #MarshLending

2 weeks ago | [YT] | 0

Marsh Lending

I’m excited to share the great conversation I had with ‪@AndreaGordonREalizations‬ on her 100th Episode!

We discussed investment property loans and the creative lending strategies that are helping today’s real estate investors move forward when traditional mortgages fall short.

We covered DSCR loans, non-QM financing, asset-based lending, hard money, LLC and trust structures, insurance challenges in high-risk markets, and why the right lending strategy should always be built around the investor’s goals.

Watch the full episode here:
https://youtu.be/CRm7ItqVh10?si=9W5i4...

#MarshLending #REalizationsPodcast #InvestmentProperty #DSCRLoans #RealEstateInvesting #CreativeLending #MortgageLending

2 weeks ago | [YT] | 0

Marsh Lending

🏡 Should you buy mortgage points to lower your interest rate?

A lower rate sounds like a win—but paying for it upfront doesn't always mean you'll come out ahead.

The key is knowing your break-even point: How much will the points cost you, how much will you save each month, and how long will you need to keep that mortgage before those savings outweigh what you paid upfront?

In this video, Aaron Marsh breaks down how mortgage points work, when buying them may make sense, and when you may be better off keeping the cash and potentially refinancing later.

▶️ Watch the full video:
https://youtu.be/8_PFvDU8bAg?si=wrHti...

Would you pay more upfront for a lower rate? Let us know in the comments. 👇

#MortgagePoints #MortgageRates #InterestRates #MortgageTips #HomeBuying #MarshLending

2 weeks ago | [YT] | 0