Newark Investors: Stop at Four Units—or Your Financing Gets Worse @holtonwisetv
Newark Investors: Stop at Four Units—or Your Financing Gets Worse @holtonwisetv
Uploaded July 2026 | Updated September 2026, 3 weeks ago
Newark investors, four units is the residential financing sweet spot. You can collect the maximum number of rents while still qualifying for long-term residential loan options, including potential 30-year fixed financing. The second you jump to five units, you enter the commercial lending world—shorter loan terms, balloon payments, refinancing risk, and amortization schedules that barely touch the principal before the loan gets called. In this video, James Wise explains why a four-unit apartment building can give investors the best combination of rental income, leverage, and predictable financing.

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Newark Investors: Stop at Four Units—or Your Financing Gets Worse

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