What happens at the end of my 5 or 7 year Adjustable Rate Mortgage?
You refinance into a new loan and pull excess equity out in the form of cash that you will put down on more investment properties. You do this BEFORE the loan adjusts so that you do not pay higher rates and payments. Remember that you will get yearly updates showing the properties value and loan products that are available. You are not left alone in the process; you are guided through year after year.

When I refinance won't the new mortgage payments higher than the rents?
There is no crystal ball, so we rely on historic performance to gauge where values will be in 5 or 7 years when it comes time to refinance your investment properties. Although the three phases of RTI research tend to yield much higher appreciation than the national ten-year average of 7.2%, that is the conservative statistic we use. Given this appreciation rate, the value of the home will have gone up significantly and the amount you owe will be down slightly. That means you will be able to replace the initial 80% first mortgage and 10% second by refinancing into a new single loan (generally with room for cash out to purchase more properties) and no second mortgage. Essentially it is the change in Loan to Value Ratio that enables you to keep the payments the same or lower than the rents. Examples of this are given in great detail in the Wave to Wealth Events.