New here — MLO from [City, State], working on becoming an investor myself

Boston, Massachusetts
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New here — MLO from [City, State], working on becoming an investor myself

Nate Hubley
Member since 2026 · 2 posts · 1 vote

Hey everyone, I'm Nate. I'm a loan officer based in Boston -  most of my time is spent helping other people finance their deals. 

Funny enough, with diving into the investor world from a loan officer perspective, I haven't actually pulled the trigger on the borrower side myself yet. That's part of why I'm here honestly. I want to start learning from the buyer's side instead of just the lending side!

Right now I'm leaning toward a first rental in New England, somewhere in the NH/northern MA market, mostly because it is close to home.

Not trying to pitch anything here, just want to learn from people who are actually doing this. Happy to help out on the financing side too if that's ever useful to anyone.

Good to be here!

~Nate

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  • Janice Carter
    Real Estate Broker · Atlanta · Member since 2024 · 1k+ posts · 608 votes
    3mo

    @Nate Hubley Welcome to the BP community. You already have a great foundation from the lending side and I am sure that perspective will be valuable here. Best of luck with your first investment property.

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  • Ashish AcharyaBusiness Member
    CPA, CFP®, PFS · Sarasota, FL · Member since 2017 · 5k+ posts · 3k+ votes
    3mo

    Good to see a loan officer looking at this from the borrower side too, that financing background is going to help more than you'd think once you're actually structuring your own deal. NH versus MA is worth thinking through tax wise before you pick a spot, New Hampshire has no state income tax, so if you're buying there while living and working in MA, your rental income still gets taxed on the Massachusetts side since MA taxes its residents on income regardless of where the property sits, the NH tax advantage really only shows up if you eventually live in NH too.

    On the financing side specifically, since you already know the loan products inside and out, the tax piece worth adding to that knowledge is how the loan interest deductibility depends on what the funds are used for, not just the loan type. A HELOC or cash out refi used toward the rental keeps its interest deductible against that rental income if it's traced properly, while a straight purchase mortgage on the investment property itself keeps things simpler since there's no tracing question at all.

    Happy to connect!

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