The Ins and Outs of Wrapping Closing Costs in Rental Property Loans

Hey future property moguls! You’ve probably wondered if you can roll closing costs into your mortgage. Now, let’s talk about doing it for rental properties!

What Are Closing Costs?

Closing costs are those pesky fees and charges that come with finalizing a property deal. From origination fees to appraisals, they can stack up!

Can You Wrap Them Into a Rental Property Loan?

The short answer is, yes, but with conditions. Most lenders have specific rules around this, so you’ll want to consult them first.

Pros and Cons


  • 1. Less upfront cash required.
  • 2. Easier to acquire multiple properties.


  • 1. Higher loan amount, meaning more interest over time.
  • 2. Not all lenders offer this option.

Who Usually Pays Them?

Well, it’s mostly the buyer’s responsibility, but sometimes you can negotiate with the seller to cover some costs.

Final Thoughts

Wrapping closing costs into your rental property loan can be a savvy move, but it’s not for everyone. Speak to your lender and weigh the pros and cons to see if it fits your investment strategy. Until next time, keep investing wisely!

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