No-Payment Mortgage

No-payment mortgages offer short-term relief by deferring principal and interest payments for a specified period, typically 6-24 months. These products suit scenarios like major renovations where rental income is temporarily paused, property flips requiring renovation time before resale, or bridging periods when carrying two properties during a move.

Interest accrues and is capitalized into the loan balance, making this a strategic tool for cash flow management rather than long-term financing. Lenders typically require strong equity positions (30-50% down) and clear exit strategies—whether through sale, refinance, or conversion to traditional payments.

We structure no-payment solutions for investors, developers, and homeowners navigating transitions, ensuring you have breathing room to execute plans without the burden of monthly obligations. These specialized mortgages provide flexibility during critical phases, allowing projects and strategies to unfold without financial strain.

No-payment mortgages serve specific strategic purposes—they're not lifestyle products but rather tools for managing complex real estate transactions. Property flippers use them to renovate without monthly payment pressure, allowing them to maximize renovation quality and selling price. Developers leverage them during construction phases before projects generate income.

Homeowners bridging between properties—buying before selling their current home—use no-payment financing to avoid double mortgage payments during the transition. These products require careful planning around exit strategies and full understanding of interest accumulation. Our expertise ensures you use no-payment mortgages strategically, not as Band-Aids for underlying affordability issues, but as legitimate tools for sophisticated real estate maneuvering.