3 Ways That You Can Leverage Mortgage Financing to Build a Real Estate Investment Portfolio

Real estate may be one of the most important things that you will ever invest in, but it can also be a useful means of increasing your financial well-being. If you’re getting into the real estate game and are wondering how you can make use of investing in homes to improve your net worth, here are three ways you can successfully work towards a real estate investment portfolio that will make you proud.

Home Equity Line of Credit Loan

Also known as HELOC, this is the type of loan where a home buyer taps into the equity of their home while they are still paying off their mortgage. As the equity that has been paid into the home is available without the home buyer having to apply for it, this allows those who invest in real estate to borrow against equity to renovate the property or pay for a deposit on another property.

Pick Properties That Will Appreciate

It goes without saying that most people want to invest in a property that will increase in value, so as an investor you need to be especially careful about what you invest in. Since you may have problems paying all your property fees if the value of one decreases, try and be aware of future market trends and neighborhood hot spots. This means diversifying the properties you invest in and including a buffer in your payment plan so that, even if the market takes a turn, you can still pay off your amount owing.

Investing In Under Market Value

There are few better ways to improve the financial feasibility of your investment portfolio than investing in a property that is under market value. Not only will you have an automatic gain with the purchase price, you will be able to invest that money into improvements in order to bump up the market price even more. While finding this type of property can be difficult for the newcomer, looking for neighborhoods with potential or properties that require little maintenance can be a good place to begin.

There are few better things to invest in than real estate, but it can be hard to know where to put your money in the beginning. Whether through a home loan or purchasing a property under market value, there are plenty of ways to bump up your net worth. If you’re currently considering an investment in real estate, give me a call for more information – J.P. Cook – 602-320-4253.

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2389 W Spaulding Avenue Apache Junction, AZ 85120

$553,300

4 Beds

3 Baths

2,273 SqFt

Status Active

MLS # 6761575

Property Type Single Family Residence

Price Type --

3 car garage!! The Courtland floorplan offers a spacious and well-designed single-level living experience, encompassing 2,273 square feet. You are welcomed into an open-concept living area that seamlessly connects the kitchen, dining, and family rooms. The kitchen is a chef's delight, equipped with modern gas appliances, ample counter space, and a large island that serves as the heart of the home, ideal for meal preparation and casual dining. The adjacent dining area provides ample space for family meals and entertaining guests, while the family room is perfect for relaxation and gatherings. This community features resort like amenities including a large pool, splashpad, park & clubhouse with fitness center!

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17149 N Stonebluff Road Maricopa, AZ 85139

$553,000

3 Beds

2 Baths

1,922 SqFt

Status Active

MLS # 6666798

Property Type Manufactured Home

Price Type --

This beautiful new Champion home, on an expansive, gated lot of 4.55 acres, is on a paved road with stunning mountain views and unforgettable Arizona sunsets. This spacious 3-bedroom, 2-bathroom home has more than enough room to entertain and make unforgettable memories. A 30x35-foot enclosed shop with a concrete floor and convenient gravel driveway offers plenty of room for projects or storage. This home is built for Arizona, with upgraded 2''x6'' exterior walls with R-19 insulation, R40 roof insulation, well water, and unheard-of power availability consisting of two 400 amp panels for your home, shop, electric vehicles, or anything else you choose to build. This is a uniquely attractive home with numerous upgrades that you won't want to miss, and no HOA to limit your possibilities

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825 S Henry Lane Gilbert, AZ 85296

$553,000

3 Beds

2.5 Baths

2,529 SqFt

Status Active

MLS # 6758655

Property Type Single Family Residence

Price Type --

Welcome to this stunning 3-bedroom, 2.5-bathroom home nestled in a prime corner lot in Gilbert! This spacious 2-story, 2,467 sq ft property boasts a versatile loft and a den/office, perfect for work-from-home setups or additional living space. The main floor features elegant hardwood flooring, complemented by gorgeous plantation shutters throughout the home. The kitchen is a chef's delight with cherry 42-inch cabinetry, granite countertops, and stainless steel appliances. Enjoy outdoor living with your private courtyard, ideal for relaxing or entertaining. The 3-car garage provides plenty of space for vehicles and storage. The HOA maintains the front yard and offers access to community pools, making maintenance a breeze. With easy freeway access, and close proximity to shopping and shopping and restaurants, this home combines comfort, style, and convenience in one perfect package.

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19702 E Arrowhead Trail Queen Creek, AZ 85142

$553,000

5 Beds

2.5 Baths

3,040 SqFt

Status Active

MLS # 6730181

Property Type Single Family Residence

Price Type --

Check out this home in the heart of Queen Creek. It's just over 3,000 square feet with 5 bedrooms and 2.5 bathrooms. This home offers a large and spacious great room as you enter. The kitchen and living area is an additional space that is large and open giving you all the space you need. The backyard is low maintenance and the turf makes it feel like you have a yard minus the hassle. There is an extended patio in the backyard that can help shade you when temperatures begin to increase. There is one room located downstairs and the remaining four bedrooms and laundry room are located upstairs. The master bathroom has large his and her walk-in closets. The seller is open providing concessions to buy down the rate and allowing you to reduce your monthly payment

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10852 E Texas Avenue Mesa, AZ 85212

Open House

$552,888

5 Beds

3 Baths

1,960 SqFt

Status Active

MLS # 6761136

Property Type Single Family Residence

Price Type --

MLS#6761136 November Completion. Welcome to the Harlow at La Mira! This charming single-story home greets you with a cozy front porch. Just steps away, the open-concept kitchen with an island seamlessly flows into the dining and gathering rooms, creating an ideal space for entertaining. The private owner's suite boasts a corner-entry bathroom with dual sinks and a generous walk-in closet. Three equally sized secondary bedrooms share a full bath, providing ample comfort for everyone. Structural options include: bedroom 5 and bath 3, garage service door, raised bath vanity at bath 2 and 3, paver front porch, soft water loop, and garden tub in primary.

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3454 E Jasmine Way San Tan Valley, AZ 85143

$552,000

5 Beds

3 Baths

2,530 SqFt

Status Active

MLS # 6752588

Property Type Single Family Residence

Price Type --

You'll love this beautiful ranch-style home in the desirable Community of Bella Vista Farms! With 5 beds, 3 baths, & a 2-car garage, this 2024-built gem offers comfort & style! Inviting hallway ushers you to the spacious open layout enhanced by tall ceilings, wood-plank tile flooring, multiple exits, & recessed lighting t/out. The impeccable kitchen is outfitted with sleek SS appliances, granite counters, rich wood shaker cabinetry with crown molding, & a sizable island with a breakfast bar. The grand main suite has plush carpeting, a pristine ensuite, a walk-in closet, & outdoor access. The home's elegance extends outdoors to the serene backyard that comes with a extended covered patio, artificial turf, & pavers. Enjoy amenities like a community pool, playgrounds, sports fields, etc.

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3131 N Central Avenue Unit 3021 Phoenix, AZ 85012

$551,900

2 Beds

2 Baths

1,125 SqFt

Status Active

MLS # 6585352

Property Type Apartment

Price Type --

*Construction completed* 5% BUYER INCENTIVE! Introducing Edison Midtown Phase 2 with 60 new construction condominiums. This spacious two bedroom condo offers ten ft. ceilings, an open floor plan, and large master bedroom with ensuite bathroom. Chefs kitchen offers expansive cabinetry, quartz countertops and stainless steel appliances including a gas range. Edison Midtown features incredible amenities for that perfect Urbanite lifestyle. A beautiful pool and lap pool, 2000 sq. ft. fitness center and lounge, and gated parking garage.

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4417 S 111th Drive Tolleson, AZ 85353

$551,900

4 Beds

3 Baths

2,524 SqFt

Status Active

MLS # 6780759

Property Type Single Family Residence

Price Type --

A rare find! You'll surely love to own this beautiful 4-bedroom residence in Tolleson! Meticulously maintained interior boasts a desirable great room graced with bountiful natural light, wood-look tile flooring, and neutral paint that creates an inviting vibe. Impeccable kitchen offers recessed lighting, glossy stainless steel appliances, quartz counters, stylish tile backsplash, plenty of white cabinetry with crown moulding, and a peninsula equipped with a breakfast bar. Romantic primary bedroom provides a private ensuite with dual sinks, a sit-down shower, and a walk-in closet. As a bonus, this gem includes a fully equipped guest's quarter! Spacious backyard features a covered patio, pergola, and artificial turf. Seize the opportunity while it's still available!

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4634 N 177th Drive Goodyear, AZ 85395

$551,190

5 Beds

3 Baths

2,530 SqFt

Status Active

MLS # 6769363

Property Type Single Family Residence

Price Type --

BRAND NEW, energy-efficient home available in GATED COMMUNITY! The well-designed Bailey is perfect when a bit more space is needed. Each of the five bedrooms in this floorplan features a spacious walk-in closet. White cabinets with quartz countertop and grey tile flooring and carpet in bedrooms. ALREADY INCLUDED - washer, dryer, window blinds (except slider), refrigerator, soft water loop and more!!!! Residents will enjoy future amenities right at their doorstep including parks, pickleball, soccer, play area, walking trails, basketball court, ramada with outdoor kitchen, gas grill and fireplace, and more!!! Each home is built with innovative, energy-efficient features designed to help you enjoy more savings!

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16837 W Fetlock Trail Surprise, AZ 85387

$550,296

5 Beds

3 Baths

3,420 SqFt

Status Active

MLS # 6747381

Property Type Single Family Residence

Price Type --

On the hunt for a new home? Here's a wonderful home in the heart of Surprise that just released to the MLS. Very spacious high performance Wrightson plan. This popular floor plan includes a Gourmet Kitchen, Loft, Study space, Tub/Shower combination in the primary, Home Automation, Geofencing, whole house air purification system, and 5 bedrooms with 3 full baths. With one full bed and bath located down stairs. All rooms are very spacious!

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Yuma Prooving Guard AZ 85365

$550,000

1 Bed

1 Bath

1 SqFt

Status Active

MLS # 6756933

Property Type Apartment

Price Type --

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93 S County Rd 1120 Street Greer, AZ 85927

$550,000

1 Bed

1 Bath

520 SqFt

Status Active

MLS # 6689446

Property Type Single Family Residence

Price Type --

Located on Main Street, Zoned for a business or your private cabin! Open 87 days of the yr. If you have been to Greer since 2021, you have seen the Coffee Cure & seen the lines for coffee, food, fudge, wine, jewelry & t-shirts. Cabin has 2 bedrms & 1 bath, a basement that is an approved commissary kitchen with in-floor drain & 3 compartment sink. Cabin has new windows, new flooring in bedrms, new electric & new plumbing. Liquor License (in state producer) & Starlink internet included with acceptable offer. All this on 1.34 acres of land! 1200 customers per week come to the food & coffee trucks. This does not count for customers who walk up to the other vendors. Exterior animal sculptures included (appx. value for re-sale = $20K) 40 foot garage is new, insulated, heated + a window A/C unit

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