Seller Concessions & Credits - Powerful tools for enhancing cash on cash returns, reserving capital for improvements, reserves or furnishings or outright better interest rates and lower payments. Credits can be negotiated before or during contingency periods and most investment properties are eligible for up to 2% of the sales price as a seller contribution.

A.R.Ms - If interest rates trend as anticipated, an adjustable rate mortgage is a viable option that can provide borrowers with greater buying capacity and lower interest contributions. What is an A.R.M.? It is a loan with a fixed interest rate for a defined period (2-3-5-7-10 years) and then adjusts based on the margin and index (usually higher). The catch? The loan eventually needs to refinanced or satisfied..The data? Most investors don’t stay in the same loan longer than seven-ish years..even if they own the property longer.

Interest only A.R.Ms - provide lower mortgage obligations with improved cash-flow. The catch? No principal payments. The data? Amortization schedules front end load interest meaning over the first 3-5 years there is a very small percentage towards principal payments - and “I/O” loans don’t restrict principal obligations but they provide the ‘option.’ Borrowers should have a clear understanding of these loan products before committing but are underutilized in today’s real estate transactions.

Shopping Lender Specials & Scenarios - It’s not always who you know, but what and when that can make the mortgage difference. Mortgage rate shopping is notoriously annoying and time consuming and difficult to obtain accurate rates or terms without an abundance of calls, credit checks and inconveniences. There are evolving services, but AI hasn’t quite replaced the experienced mortgage broker yet..One tool that has transformed efficiency of analysis and financing options for my investors is our recent strategic partnership with:

🟠 LOAN FACTORY and NMLS Mortgage Broker Mr. Joseph Chiofalo my trustworthy go-to loan officer of 20+ years. His 50+ Five Star Reviews often speak for themselves.

📲 WHY SO GOOD? The system empowers borrowers to transparently compare rates in real time - and highlights lenders with monthly specials or preference for your state, loan amount, credit and intention. I have seen significant savings in proposals - sometimes enough to make non-deals make investment sense. Their slogan is ‘Dare to Compare!’

11698 Hwy 36 Mapleton OR | 2 / 2 1050SF - Active Riverfront STR with detached garage. $40K Gross AGI. Off-market. Asking $475K*

89 NE Ln Depoe Bay OR | 3 / 4 1787SF - Active STR townhome. Just reduced. Now Asking $495,000

630 Clearlake Ave Winchester Bay OR | 4 / 2 1850SF - Active STR sold furnished. Asking $519,000

48250 Hawk St Neskowin OR | 2 / 1 609SF - Active STR with transferrable permit. Asking $525,000

280 NW Huckleberry St Waldport OR | 4 / 4 1692SF - REDUCED New construction and turn-key town-home. (Unit #7 shown - two units available!) Eligible for STR usages. Asking $619,900

1340 NW 15th St Lincoln City OR | 3 / 2 1818SF - Active STR with rare permissible LC zoning. Cabins are un-permitted and cannot be rented separately. Back on Market. Now asking $625,000

321 Avenue U Seaside OR | 3 / 3 1983SF - Active STR eligible for STR usages. NOT subject to 90 day local wait re-issuance period* Asking $699,000

611 SW 17th Way Lincoln City OR | 2 / 3 1584SF - Turn-Key home in Olivia Beach zoned for STR usages outright. Asking $699,000

1560 S Edgewood St Seaside OR | 3 / 3 1849SF - Constructed in 2022. Active STR. Eligible as of 8/15/25. Asking $799,000 - Exceptional home. Request photos*

35445 Topping Rd Pacific City OR | 4 / 4 2965SF - Ocean view active STR with transferrable STR permit. Asking $1.075M

2764 SW Anchor Ave Lincoln City OR | 4 / 6 3657SF - Active STR in Olivia Beach. Sold furnished. Asking $1.55M

4580 Fairway Ave Gearhart OR | 4 / 4 2680SF - HOA permits STRs. Asking $1.695M

We specialize in licensed, zoned STRs, 1031X timing, and turn-key luxury sales so investors save time and capital.

$25M+ in STR sales closed along the Oregon Coast & beyond; we underwrite revenue, compliance, and operations—not just comps.

Our HOT Sheet tracks 99% of eligible STRs so you move smart.