How I help investors
- Finding the right property: single-family homes, townhomes and condos in areas with steady rental demand.
- Running the numbers before you offer: realistic rent based on nearby rentals, plus taxes, insurance, HOA dues, repairs and vacancy.
- Checking rental rules: HOA rental caps and lease minimums, and city rules for short-term rentals.
- Negotiating with inspections in mind: using the due diligence period to price in repairs.
- After closing: pricing the rent, listing it, and connecting you with property managers, contractors and lenders.
The numbers that matter
- Monthly cash flowRent minus mortgage, taxes, insurance, HOA, maintenance, a vacancy allowance and management. Positive is the goal.
- Cap rateYearly net operating income (before the mortgage) divided by the price. Useful for comparing properties.
- Cash-on-cash returnYearly cash flow divided by the cash you put in: down payment, closing costs and repairs.
- ReservesMoney set aside for big-ticket items like a roof, HVAC or water heater, so one repair doesn't wipe out a year of profit.
Every property is different. I'll put together a simple rent and expense estimate for any home you're serious about. Talk to a tax professional about how rental income and depreciation affect you.
Areas investors often look at
North Atlanta cities with steady rental demand from commuters, families and new arrivals:
Common questions
How much down payment do I need for an investment property?
Conventional loans for investment homes usually need more down than a home you live in, often 15% to 25% depending on the property and the lender. Some investors use DSCR loans, which qualify mostly on the property's expected rent. Your lender will confirm the options for you.
Can I rent out any home I buy?
Not always. Many Georgia HOAs limit or prohibit rentals, cap the number of rented homes, or set minimum lease terms, and some cities restrict short-term rentals. I check the HOA documents and local rules before you make an offer.
What expenses should I plan for besides the mortgage?
Property taxes, insurance, HOA dues, repairs and maintenance, a reserve for big items like the roof and HVAC, time when the home is vacant between tenants, and property management if you won't manage it yourself.
Do you help find tenants too?
I can help you price the rent using comparable rentals and list the home. Many investors also hire a property manager for screening, rent collection and maintenance; I'm happy to recommend some.