Plan for the property and its operating costs.

Rental-property financing starts with a realistic picture of ownership, occupancy and ongoing expenses.

Distinguish revenue from cash flow

Rent is only one part of the picture. Maintenance, vacancy, taxes, insurance and financing costs affect the cash available. Ask how a lender will treat rental income rather than assuming all rent counts toward qualification.

Confirm the right review path

The property configuration, use and number of units can affect the review. Prepare a general description for the first discussion; share tenant or lease documents only through a confirmed secure process.

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