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Common Questions: Investing

Meet Tyler JardineWe talk to people every day that aren’t just looking for a new home to move into but looking to purchase a home as an investment property. Maybe they’re ready to buy a larger house as their family grows and keep their original house as an investment property. Maybe they want to get into house flipping. People become interested in investment properties for all kinds of reasons, and we love walking people through the purchasing process.


Tyler Jardine has been on the US Lending team for many years, and in the real estate industry for over 15 years. He knows his stuff, and he’s particularly brilliant when it comes to investing. He shared all kinds of good information that will be helpful for anyone interested in investing.

What advice would you give to new investors?

The first thing that you want to focus on as you jump into the investment market is your capital. You want to make sure that you have the right amount of capital ready to invest once you find the property that you’re interested in. You can actually purchase an investment property with as little as 15% down, but you’ll also want to make sure you have enough funds reserved to cover other expenses too. Of course, you’ll need to cover your mortgage obligation, taxes, and insurance obligations, but you’ll also want to anticipate other expenses that come along with investing. There will always be middle of the night phone calls for repairs and unexpected events, and you’ll need some money saved up to cover for it when it happens.

What opportunities are there for investors?

We see new buyers entering the market all the time. Many people decide that they’re in a position to sell their existing home and either move up to something larger or downsize according to their needs and lifestyle. Many times they’ll retain their existing home and turn it into an investment property. Plus, Redding also has a very strong rental market right now. If someone is looking to retain their current home as an investment property and finance an additional primary residence, having a strong rental market is a huge advantage.

Final Thoughts

We’ve seen a lot of market growth in Redding over the past four years. We’ve seen so much appreciation in value, and there are lots of buyers in the market that are actually ready to purchase a home. If you’re ready to jump into the investment market, make sure you’re ready! With low inventory and high demand, it’s an intense market out there. Make sure you’re ready by getting pre-approved for a loan before you start shopping. Then you’ll be well-equipped to get rolling on your investment journey and get the keys to your new property as soon as possible!