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Does anyone out there like low mortgage payments? Would anybody like to pay the mortgage companies less? As an investor do see the advantages of increased cash flow? I think we could all agree that we would like to have a lower mortgage payment and a better home.

Growing up in Los Angeles, I have watched the real estate market rise in the 80's and rise again like there is no tomorrow in the last few years. I have seen tear-down properties begin to sell for a million dollars. If the house is anywhere near the beach it could sell for one to two million. Before I get too excited, let's examine the issue of real estate financing and find a solution for the simple question: "How in the bleep can I pay for this house?" Ladies and gentlemen, the answer is the "Payment Option ARM." This is a loan that features a negative amortization payment with a rate starting at 1%.

So what is the catch? The payment option loan offers 3 or 4 payments to choose from depending upon which lender you get the mortgage from. The low rate payment allows you to preserve your capital, and the negative amortization ends up tacking on principal to your mortgage balance. This loan keeps your payment low for a few years and with an increased cash flow, it is your job to invest the savings wisely. If you are unable make more money than the interest you are deferring, than perhaps you should consider a more traditional loan, like the 30 year fixed rate mortgage.

Lets compare the negative amortization payment of a million dollar mortgage, with the traditional 30 year fixed rate loan.

Million Dollar Neg-Am Payment at 1% = ,216

Million Dollar 30-Year Fixed Rate Payment at 6% = ,995

The difference is an astounding ,779 a month.

If your goal is to pay the same thing ever month so that you own your home in 30 years, then I suggest you take the traditional route with the 30 year fixed rate loan. If you want to take a risk, and invest the ,779 you saved monthly into several investment properties that appreciate significantly over the next 30 years, then take a walk with me and we can explore the opportunities and possibilities of the payment option loan.

About the Author: Art Nourian is local surfing legend who is quickly becoming one of the most respected finance writers for real estate related topics on the internet. To learn more about payment option ARM's, purchase loans, home equity loan programs and qualified interest rates, please visit, Bad Credit Mortgage Refinancing. Art suggest getting the details and reading the "Fine Print" about 1% Home Mortgage and Refinance Loans and 100% Home Mortgage Loans.