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Interest-Only Loans
Interest-only loans allow investors to make reduced payments during an initial period — freeing up cash flow for renovations, acquisitions, or portfolio growth.
Best Fit
Who This Program Is For
Investors prioritizing short-term cash flow
Value-add projects during the stabilization phase
Portfolio builders allocating capital to new acquisitions
Investors with a clear exit or refinance strategy
Qualification
How Qualification Works
Standard property and borrower qualification
Interest-only period typically 3-10 years
Available for DSCR, conventional, and other loan types
Property appraisal required
Key Benefits
Lower monthly payments during interest-only period
Maximized cash flow for reinvestment
Flexible payment structure during stabilization
Available in conjunction with other loan types
Key Considerations
Payments increase after the interest-only period ends
No principal reduction during interest-only period
Exit strategy or refinance plan recommended
May have higher overall cost if held to full term
Process
How It Works
STEP 01
Cash Flow Analysis
We model your payment savings during the interest-only period.
STEP 02
Product Selection
Choose the right base loan type with an interest-only feature.
STEP 03
Documentation
Standard loan documentation based on the underlying product type.
STEP 04
Closing
Close and begin benefiting from lower initial payments.
FAQ
Frequently Asked Questions
Ready to Explore Interest-Only Loans?
Talk with an advisor who can walk you through qualification, terms, and next steps for your specific deal.