Buying 2 to 4 properties at the same time

[Edouard Pierre]

Hi follow bigger pocketers! 

I have found several buildings that I would like to purchase but my big question is how to finance it. This is my first investment purchase on paper (I own but not on mortgage) and I am a real estate agent. I have waited 2yrs so I can show steady income and I'm ready to jump in head first. I could be purchasing 2 or 4 properties that all close to each other. They are all good investments on paper (used the rental calculator) and 2 of them already have good tenants in place. These buildings are not owned by the same person (although two are under one owner). 

The prices vary from $80k-$175k (ideal purchase price so my numbers work). 

My big question is how to finance it. Use individualized conventional mortgages and take advantage of the great interest rates or use a commercial loan to wrap all the properties together but risk refinancing in 5yrs? Any and all help on this would be greatly appreciated!

[Oleg Shalumov]

Hi @Edouard Pierre, you are on the right track ... I would purchase them separately as there is a chance that if you buy it in a bundle and one of the four properties have a problem the whole bundle will be at risk. 

Best of luck!