Mortgage Payment Options

[Cody Weber]

I am a new real estate investor and can see the benefit to both paying down a property quicker using the rental’s cash flow (ex. paying down in 15 years than the typical 25 year amortization) which opens the door to utilize the rental’s built up equity once paid for free and clear. However, that could limit the short term opportunity cost of utilizing the rental’s cash flow to save for more rentals which helps to scale a real estate portfolio.

Would love insight from investors to hear their rationale for either a 15 year or 25 year amortized mortgage and what type of payment structure you use - weekly payments, bi-weekly, monthly or accelerated payments?

Thanks in advance!