With the real estate market returning to normal and market rents increasing, real estate investment is once again becoming a viable option.

The difference between a Loan Officer and a Mortgage Planner is the depth of review for each property and mortgage and the resulting impact on each investment.

My Investment Property Review Process includes -

The following important financial ratios:

• Internal Rate of Return (IRR)
• Debt Coverage Ratio (DCR)
• Gross Rent Multiplier (GRM)
• Cash-on-Cash Return (before and after taxes)
• Debt Service Ratio (DSR)
• Capitalization Rate (Cap Rate)

The following "what if" scenarios:

• Determine the purchase price or beginning rental income to attain your required cash-on-cash return
• Determine the net impact of a seller credit paid to lower your interest rate (and payment) and cover some or all of your financing costs
• Change the input variables (rents, vacancy, capital improvements, etc.) to determine performance up to a 20 year timeframe.
• Determine the best year to exit the property

If you are interested in becoming a real estate investor, wish to review and rebalance your current investment properties to take advantage of additional opportunities and value an in-depth investment analysis versus just a rate quote, please call or email to schedule a personal Investment Property Review.