Financing vs. Cash Purchases: How to Decide What’s Best for Your Real Estate Investment
Investing in real estate offers incredible opportunities, but one of the first questions investors face is: Should I pay cash or use financing to buy property?

Investing in real estate offers incredible opportunities, but one of the first questions investors face is: Should I pay cash or use financing to buy property?

If you’re watching the housing market and wondering where mortgage rates are headed in 2026, you’re not alone. With borrowing costs still elevated compared to the ultra-low rates of the past, many buyers and investors are asking the same question: Will rates come down enough to meaningfully improve affordability?

The Christmas season has a way of slowing things down. Between family gatherings, year-end reflections, and planning for the year ahead, it’s often the one time of year when people step back and ask bigger questions - where am I headed, what did I do right this year, and what do I want to improve next year?

One of the biggest reasons experienced investors gravitate toward real estate has nothing to do with appreciation or cash flow alone. It’s the tax treatment.