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Understanding Debt-to-Income Ratio (DTI) in 2025 Key Insights DTI as a Core Metric: Lenders use the Debt-to-Income Ratio to gauge a borrower’s capacity to handle monthly debt. It’s calculated by dividing total monthly debt payments by gross monthly income and...
Impact of Rising Interest Rates on Borrowing Capacity (Australia, June 2025) Exploring the Effects of Economic Shifts on Property Investment Interest Rate Trends and Current Levels Australia’s official cash rate climbed from 0.10% in 2021 to a high of 4.35%...
Why Lenders Treat Rental Income as a Variable Stream When you apply for a mortgage or refinance an investment property, lenders usually view rental income more cautiously than a regular salary. Because rent can fluctuate due to vacancies, upkeep and...
Using Property Depreciation to Fund Your Next Investment Purchase Utilizing Depreciation as a Financial Strategy By claiming depreciation on your existing rental properties, you can lower your taxable income, boost cash flow and create a funding source for your next...
How Depreciation and Tax Deductions Can Fund Your Next Investment Property Savvy investors don’t just rely on rental income—they use depreciation and tax deductions to boost cash flow and power their next purchase. The Power of Depreciation Depreciation is a...
Key Insight Non-cash deductions such as depreciation and loan write-offs, alongside cash outlays like interest and rental costs, play a pivotal role in determining an investment property’s after-tax cash flow and overall tax savings. Detailed Cost Breakdown 1. Loan Fees...
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