16 December 2016 Get the right investment loan How to ensure you get the right investor loan with RAMS home loan expert Stephen Villios. Transcript: The type of loan we would recommend to an investor would match their needs. So that could be fixed or variable, it could be interest only, or it could be principal and interest. So it would be specific to that customer's requirements. An important consideration with an investment property is whether it is actually going to make you a profit in cash flow or not. So a positive cash flow property is one where the rent income exceeds your costs. A negative cash flow property is one where the costs actually exceed the rental incomes, so you are losing money. So it is important with a negative cash flow property that you are making an equivalent capital gain. For a first time investor, the sort of paperwork we will need for an application is some ID documentation to verify your identity. We would want to know asset and liability information and an idea of your income and expenditure to work out the right repayment.