Investment Property Purchase


 An investment property is one of the best ways to prepare for one’s financial future and hopefully pass along a legacy for your heirs. Whether it is a single family or multiunit, it has proven to be one of the best investments one can make. However, like many things in life it can have its challenges as well. One of the best ways to mitigate those potential challenges is to have a strong experienced team on your side that handles not only real estate and financing, but also property management.

Being emotionally unattached is the best way to approach an investment property. Unlike almost every primary home buyer that already knows where their new furniture is going to go before they have even made an offer; as an investor you must approach this real estate transaction with solid market research on values and remember this is a business transaction when determining an offer price. You must also consider what will be necessary to find responsible tenants who will help to protect your investment, and alert you regarding necessary repairs in a timely manner.  As an investor you want a return on your investment and this all begins with purchasing the property at the right price. 

Unlike a typical primary home purchase or refinance where only the expenses of the subject property is factored into the debt to income ratios, an investment property loan goes one step further and factors current or future income generated by the property. Knowing how much home you can buy and the rate of return you can expect on you initial capital out flow are just a few of the ways that we help our investor clients. Additionally, our lender pool is large enough that if we can’t find you a loan it likely doesn’t exist.  

If you are not interested in marketing your property, meeting with prospective tenants, running credit reports, verifying employment and income, verifying past rental histories and receiving calls for repairs at all hours you may want to consider hiring a property manager. The nominal monthly fee one can pay to alleviate them-selves of the stress that can come with dealing with tenants or untimely repairs may be worth considering depending on the level of involvement you want to have in the day to day management of an investment property.  The fact that we are able to help our investment clients offload this task and enjoy life more fully knowing that their property and best interests are at heart has been a huge benefit to our clients. Again one can find an agent that will help them buy a home, but someone that also knows the inner workings of financing and property management  is something every investor should consider when deciding who should be on their team. 

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West Cal Financial

130 Kaden Dr, Novato, CA, USA

(415) 250-7241


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