Clear ROI models, financing paths, and market insights—so you can buy with confidence, keep cashflow healthy, and protect long-term equity.
Understand cap rate, cash-on-cash, depreciation, and mixed personal/rental use rules before you buy.
Compare second-home vs investment property underwriting, down payments, rates, and DSCR options.
Match lifestyle + yield: ski, lake, urban pied-à-terre, beach, or golf—each behaves differently.
Quickly estimate cashflow and equity growth. Adjust purchase price, down payment, rate, ADR, occupancy, HOA, and management fees. (Interactive version can be added later.)
Line up the right structure before you shop: underwriting for second homes is different from pure investment properties.
Protect downside so you never become a forced seller.
Lenders distinguish “second homes” (personal use, certain distance from primary) from “investment properties” (primarily rental). Terms, rates, and reserves differ. Get pre-qualified to see which path fits your use pattern.
Start with ADR × occupancy for gross income, subtract realistic expenses (management, cleaning, HOA, taxes, insurance, maintenance, utilities), then add mortgage cost. Compute cap rate and cash-on-cash; test ±10% swings.
Mixed personal/rental use has thresholds that affect deductions and reporting. Rules vary by jurisdiction—consult a qualified tax professional for your situation.
Usually yes, but financing, LTV, and reserve requirements can differ, and some regions restrict short-term rentals. Verify local rules before making offers.
Send your price range and target market. We’ll return a conservative, lender-friendly model you can use to make offers confidently.