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Updated about 3 years ago on . Most recent reply
![Eric Morel's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2336238/1640792958-avatar-ericm869.jpg?twic=v1/output=image/crop=1307x1307@0x324/cover=128x128&v=2)
Anyone ever use a 5/1, 7/1, or 10/1 to finance a Rental
I am just starting out, so funding is a big challenge. I have a lender offering me a 5/1, 7/1, or 10/1 interest only arm loan.
it does create more cash flow for the first few years which should help with scaling my portfolio. My concern is the ARM part. I would send more the interest after the forest few years, but would use the added cash flow to get more doors.
Also wpukd work on refinance or looking at selling the unit based on performance at the 5 year mark.
i am looking to buy and hold. What are your thoughts?
Most Popular Reply
![Lien Vuong's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1073484/1642519591-avatar-lienvuong.jpg?twic=v1/output=image/crop=1821x1821@0x0/cover=128x128&v=2)
There's circumstances where this totally works but given the low rate climate today and if you're planning on holding onto the property for the long term, better to lock in the rate and secure yourself for 30 years rather than gamble in the market for 5-7 years ahead.
- Lien Vuong
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