The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

ustration of a house split into two halves—one side showing dollar bills representing cash flow and the other side showing an upward graph arrow representing property appreciation.

Should you buy rental property for cash flow or appreciation?

By Scott Sheldon / September 25, 2025

When you invest in real estate, one of the first decisions you face is whether to focus on cash flow—steady monthly income—or appreciation—long-term property value growth. Both can build wealth, but the path you choose should reflect your financial goals, risk tolerance, and local market conditions. Understanding the strengths and trade-offs of each approach can…

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