STRATEGIC

Interest-Only Mortgage

Pay only the interest portion for an initial period, keeping monthly payments lower. After the interest-only period, payments adjust to include principal.

Lower Initial Payments

Interest-only period

5-10 yrs

Then fully amortizes

Monthly payment

Lower

During initial period

Principal paydown

Deferred

Starts after IO period

Best for

Cash flow

Investors or high earners

WHY BUYERS LOVE IT

Significantly lower payments during the interest-only period
Frees up cash flow for investments or other financial goals
Strategic option for high-income earners with variable compensation
Can be used to qualify for a higher purchase price
THINGS TO CONSIDER
No equity is built during the interest-only period
Payments increase significantly once the amortization period begins
Requires strong financial profile to qualify

Ideal for: Real estate investors, high earners with irregular income (bonuses, commissions), or buyers who want to maximize short-term cash flow while planning to sell or refinance before the IO period ends.

Is an interest-only right for me?

Standard Mortgage Capital LLC

dba Rize Mortgage

NMLS 1604663

Resources

Contact Me

Located in Massachusetts

Licensed in MA and RI

Rize Mortgage

53 NW 100th Ave

Plantation, FL 33324

[email protected]

774-240-4240