Marsh Lending

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Marsh Lending Specializing in investment and vacation property financing, offering tailored mortgage solutions. NMLS #255181099 | NMLS # 2073037

With exclusive loan products and concierge-level service, we ensure a seamless experience from pre-approval to closing.

Of course the interest rate matters. But it shouldn't be the only question an investor asks. 🏡When you're financing an i...
10/11/2026

Of course the interest rate matters. But it shouldn't be the only question an investor asks. 🏡

When you're financing an investment property, the entire loan structure can affect the investment:

What will the monthly payment be? How does it affect cash flow? Are you paying down principal? Can the rate change? How long do you expect to keep the loan?

And just as importantly—what happens if your plans change?

Interest-only loans, adjustable-rate mortgages and other financing structures can offer opportunities for certain investment strategies, but each comes with considerations and tradeoffs.

At Marsh Lending, the goal isn't simply to quote you a rate. It's to help you understand your options and how the financing fits what you're trying to accomplish.

Let's talk about your next investment.

📞 (214) 729-3180
✉️ [email protected]

10/09/2026

Two financing strategies. Two different ways to potentially create more cash flow early in an investment. 🏡💰

For short-term rental and investment-property buyers, Aaron explains how both adjustable-rate and interest-only mortgages may help reduce the initial required payment—but in different ways.

An ARM may offer a lower initial rate depending on the loan, while an interest-only mortgage removes principal from the scheduled payment during the interest-only period.

Neither is automatically the right choice. The question is how the structure fits your property, timeline and overall investment strategy.

▶️ Check out the full video on YouTube at https://buff.ly/xcD7dh5

What are you prioritizing with your investment property: cash flow now or principal paydown? 🏡💰With an interest-only loa...
10/07/2026

What are you prioritizing with your investment property: cash flow now or principal paydown? 🏡💰

With an interest-only loan, scheduled payments during the interest-only period cover interest without reducing the principal balance.

That may mean a lower required payment and potentially more room for cash flow—but it also means you aren't building equity through principal reduction from those scheduled payments during that period.

Neither priority is automatically right or wrong. It depends on your investment strategy.

Monthly cash flow. Principal reduction. Holding period. Future plans for the property. Those are all worth discussing before choosing how to finance the investment.

Ready to talk through your options? Contact Marsh Lending.

📞 (214) 729-3180
✉️ [email protected]

What does the “3/1” in a 3/1 ARM actually mean? 🏡In general, it's pretty straightforward:3️⃣ = The initial interest rate...
10/05/2026

What does the “3/1” in a 3/1 ARM actually mean? 🏡

In general, it's pretty straightforward:

3️⃣ = The initial interest rate is fixed for three years.
1️⃣ = After that, the rate can adjust once per year according to the terms of the loan.

For investment-property buyers, an adjustable-rate mortgage may be one financing option to consider when evaluating the initial payment alongside how long you expect to hold the loan.

But remember: once the fixed period ends, the rate—and therefore your payment—can change.

Understanding those adjustment terms and how they fit your timeline is an important part of deciding whether an ARM makes sense for your investment strategy.

Have questions? Talk with Marsh Lending.

📞 (214) 729-3180
✉️ [email protected]

10/03/2026

Could a 3/1 ARM help you prioritize cash flow early in your investment? 🏡💰

Adjustable-rate mortgages are another financing structure investors may encounter with business-purpose investment loans.

With a 3/1 ARM, the initial interest rate is fixed for the first three years before becoming adjustable according to the terms of the loan. Depending on the program, that initial rate and payment may provide an advantage for investors focused on early cash flow.

The important part? Understanding what happens after that initial fixed-rate period and making sure the structure aligns with your plans for the property.

▶️ Check out the full video on YouTube at https://buff.ly/xcD7dh5

Building the next level of 30A! ✨ Jonathan Spears of Spears Group and Aaron Marsh of Marsh Lending, bringing real estate...
10/03/2026

Building the next level of 30A! ✨ Jonathan Spears of Spears Group and Aaron Marsh of Marsh Lending, bringing real estate and financing together on the coast. A beautiful night in Alys Beach at the Hamptons of the South party. Thank you, Jonathan and the Spears Group team, for an incredible evening!

How long do you plan to keep the loan you choose today? 🏡If you're considering an adjustable-rate mortgage for an invest...
10/01/2026

How long do you plan to keep the loan you choose today? 🏡

If you're considering an adjustable-rate mortgage for an investment property, your expected timeline should be part of the conversation.

With a 3/1 ARM, for example, the initial rate is fixed for three years before it can begin adjusting according to the terms of the loan. An investor may evaluate that initial period alongside their plans for the property—including the possibility of refinancing later if market conditions and their circumstances make it advantageous.

Of course, future rates aren't guaranteed. That's why it's important to understand both the potential benefits and the risks before choosing an ARM.

Don't just finance the property. Finance with your timeline in mind.

Have questions about your options? Contact Marsh Lending.

📞 (214) 729-3180
✉️ [email protected]

09/29/2026

Interest-only mortgage? Here’s what that actually means. 🏡

During the interest-only period, your scheduled mortgage payment covers the interest on the loan rather than paying down principal.

For a real estate investor, that can mean a lower required payment during the interest-only period and potentially more room for cash flow while the property gets established.

Like any financing strategy, there are tradeoffs to understand. The key is knowing how the loan works and whether it aligns with your investment plans.

▶️ Check out the full video on YouTube at https://buff.ly/xcD7dh5

Getting the property closed is important. But for an investor, the strategy doesn't end at closing.Once you own the prop...
09/27/2026

Getting the property closed is important. But for an investor, the strategy doesn't end at closing.

Once you own the property, monthly payments, rental income, operating expenses and cash flow all become part of the equation.

That's why Aaron encourages investors to think about how the financing structure supports what they're trying to accomplish after they get the keys.

Depending on the property and your plans, options like interest-only or adjustable-rate financing may be worth exploring as part of that bigger strategy.

Planning your next investment? Talk with Marsh Lending about your options.

📞 (214) 729-3180
✉️ [email protected]

What does “interest-only” actually mean?During the interest-only period, your scheduled mortgage payment covers the inte...
09/25/2026

What does “interest-only” actually mean?

During the interest-only period, your scheduled mortgage payment covers the interest on the loan rather than paying down principal.

For an investor, that can potentially mean a lower required payment during that initial period and more room for cash flow. 💰🏡

But there’s an important tradeoff: those scheduled interest-only payments aren't reducing your principal balance.

That's why the conversation shouldn't stop at “What's my payment?” The better question is whether the loan structure fits your property, timeline and overall investment strategy.

Want to explore your investment-property financing options? Contact Marsh Lending.

📞 (214) 729-3180
✉️ [email protected]

Address

5417 E County Highway 30A, Suite 110
Santa Rosa Beach, FL
32459

Telephone

+12147293180

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