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The Cash Flow Loan: No Income Required. Buy a Beautiful Florida Beach Rental Today!

Updated: Jun 13, 2022

Ignite your earning potential without putting in more hours. Purchase a real estate investment or rental property to amplify your income with passive earnings!

Passive income, or income that requires minimal labor or maintenance, is a well-known method for increasing your earnings. Often it comes from utilizing financial assets to make additional money. Outside of stocks and other financial/bank type investments - real estate rental properties provide an excellent opportunity to increase your passive earning potential. It’s time to let your money make money!

Choose the Right Property

Selecting a profitable property is one of the key steps that will lead to success or failure in your real estate investing endeavor. This takes quite a bit of research, knowledge of the local market, and experience. It is important to ensure the property is in a desirable location that will result in a variety of interested tenants. The financials must be analyzed and planned so that it comes together in a way that makes sense and will be profitable. Factors such as purchase price, loan amount and rate, property and rental expenses, property taxes, homeowner association fees, and more have to be balanced against rental frequency and revenue.

Choose the Right Loan

Purchasing an investment property can feel similar to a primary home, but there are some key differences. Because the goal is to use the property to make money, not live in as your family home, lending institutions have different requirements for loan qualification. Losing a rental property wouldn't have the same impact as losing your family home so qualification can be a bit more difficult and rates can also be a bit higher.

To streamline investment purchases, some lenders have created loan programs that are specifically tailored for investment property purchases. One excellent option is the cash flow loan. This loan program utilizes the estimated/anticipated rental income for loan qualification, so no proof of income or additional income documentation is needed to qualify. Loan amounts can go up to $15 million with a minimum down payment of 15%, plus loan costs.

Purchase Your Investment

Though it may sound too good to be true - money earning money, no income required to qualify, competitive rates, interest only loans - it's not! We frequently help financially savvy borrowers take advantage of the earnings from investment property income.

This week we closed a loan for a client who utilized our cash flow loan program to purchase an absolutely beautiful property in Santa Rosa Beach, Florida. The serene sea water, quaint towns, and picturesque beach homes draw visitors from all over the country to this section of the gulf coast known as 30A.

Just take a look at the photos of this brand new 5 bedroom, 5 bath investment property in Santa Rosa Beach. This elegant beach town home is laid out beautifully with plenty of space to accommodate a large group who like to vacation in style. It includes high end finishes, gorgeous decor, all the luxuries, and then some. The large rooftop deck provides 360 degree aerial views, seating for lounging, and a fire pit,. There is also workout room, game room, outdoor space, office area, luxury kitchen, living room with a fireplace, ocean views, and an elevator.

Passive Income Potential

Time to get technical. Here are a few details of the purchase and anticipated earnings on this specific investment property:

Purchase Price: $2,775,000

Loan Amount: $2,080,000

Interest Rate (interest only first 10 years): 3.75%

APR (annual percentage rate): 3.866%

Term: 360 months (30 years)

Monthly Mortgage Payment (interest, property taxes, insurance, HOA): $8,817

Monthly Income from Rent: $19,500

Net Monthly Income (after mortgage, property taxes, insurance, HOA): $10,683 monthly / $128,196 annually

Ignite your Earnings: Ready. Set. Buy.

Purchasing an investment in an established and desirable vacation town is sure to keep the property rented - a key to being successful as a real estate investor. Once you find the perfect property for your purchase, we are here to help make it a reality!

Simplicity Mortgage has both the industry experience and local knowledge to help you quickly and successfully close on your investment purchase. Time to start making your money work for you!

Florida Vacation Investment Properties, Mortgage Broker, Cash Flow loans for Real Estate Investments, Destin Florida, Scenic Highway 30A, Ormond Beach Rentals, Daytona Rentals, New Smyrna Beach Rentals, Shorehom, Ocean Walk, Investment Financing, Bank Statement Loans
Nothing but relaxing vibes. Soak in the sun and panoramic views of the crystal clear blue ocean along scenic 30A.
Freddy Kling, Broker/Owner Simplicity Mortgage Port Orange, Local Mortgage Broker, Refinance, Conventional, VA, FHA, Cash Flow, Bank Statement, 1099 Loan, Self Employed, Quick Home Loan Closing, Smooth Loan Process, Competitive Rates, One Stop Mortgage Shop
Freddy Kling, Mortgage Broker

Meet the Author:

Freddy Kling, Broker for Simplicity Mortgage

Simplicity Mortgage is a one stop mortgage shop, where my team and I make homeownership dreams come true. Our extensive portfolio and simplified loan process allows us to close loans quickly and successfully, while providing each client an exceptional customer experience.

I come from a family of entrepreneurs and have always understood the value of integrity, challenging work, and dedication. It is extremely important to me that clients and referral partners appreciate that I am available and responsive around the clock.

I have been a resident of Florida for over 40 years and graduated from Embry Riddle Aeronautical University with a bachelor's degree, majoring in computer science and a minor in mathematics. Before the mortgage industry, I was a Senior Principal Program Manager for the world’s fourth largest software company.

My wife and I were certain that our combined areas of expertise would enable us to open a mortgage company that stood out from others not only by offering more loan options, better interest rates, and less costs but by also ensuring we had the most sophisticated technology and highest level of security to meet today’s digital challenges. We have built an outstanding team of employees who not only complement each other’s skill sets, but also work very together resulting in a positive and simple closing on your next purchase or refinance.

Call me today to discuss your real estate goals!


Simplicity Mortgage is a mortgage brokerage located on Dunlawton Avenue in Port Orange, Florida.

Simplicity works with borrowers for home financing in all areas of Florida. Our service area includes Volusia and Flagler counties, Palm Coast, Ormond Beach, Ormond by the Sea, Deland, Daytona Beach, Daytona Beach Shores, Port Orange, Ponce Inlet, New Smyrna Beach, Orlando, Jacksonville, and all surrounding areas in Florida.

Our portfolio consists of more than 15 lending institutions in order to be able to offer the most optimal financing option for a client's specific financial scenario.

Our goal is to provide our clients with a smooth and simplified loan experience coupled with a low rate and minimal fees. We are your point of contact throughout the loan process. As mortgage brokers, we offer our clients a variety of loan products: Conventional, VA, FHA, USDA, Jumbo, Non Qualified Mortgage (non-QM), Self-Employed, 1099, Cash Flow, Asset Only, First Time Homebuyer to facillitate their primary, secondary, or investment mortgage needs. We have outstanding options for refinance as well, to include IRRRL, Home Equity Loan, Streamline Refinance, Cash Out, Rate and Term.

Call Simplicity Mortgage today to discuss your next purchase or mortgage refinance. We will utilize our home loan calculator to determine your future mortgage payment with several options to help you determine the most beneficial mortgage option for your loan.


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