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For Property Owners

Tools to help you understand your investment.

Run your cash flow numbers, explore how your equity could work harder, and get set up as an OPMS client — all in one place.

Step 1 — Cash Flow

Only your principal + interest portion reduces your mortgage balance. Taxes and insurance are pass-through costs.

Estimated Monthly Cash Flow
Enter your numbers above

Your cash flow could be building more than income.

Many owners don't realize this monthly surplus can be recycled — used to pay down your balance faster, build equity, and expand your portfolio. Want to see how that could look for your property?

Step 2 — Equity Strategy
01
Cycle a line of credit against your balance

Use a line of credit to make lump-sum reductions to your principal. Your cash flow pays the line back, then you repeat — each cycle accelerating your payoff.

02
Replace your mortgage with a credit line

In some cases the right move is replacing a traditional mortgage with a HELOC as the primary loan — so all income works against your balance daily.

Educational tool only. Results are estimates assuming a $10,000 line of credit at 8.5% simple interest. Not financial advice. The free consultation below is offered through Replace Your Mortgage, a partner organization. OPMS may receive a referral for consultations booked through this page.
Your Mortgage Details
Standard Payoff
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With Credit Line Strategy
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Time Saved
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Off your mortgage
Interest Saved
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Kept in your pocket

Want a real model built around your numbers?

Save your numbers and book a free discovery call. No pressure — just clarity on what your options actually are.

Create your Hemlane owner account

Hemlane is the secure portal we use to manage your property — rent collection, maintenance requests, inspection reports, and owner communications all in one place.

1

Click the button to create your free Hemlane account.

2

Use the email address associated with your OPMS management agreement.

3

Once set up, we'll connect your property and you'll have full visibility.

Create Hemlane Account Complete Property Intake Form →

Questions about getting started?

Reach us at or Email Us

01

Primary Owner / Contact

The primary person we'll contact for decisions, disbursements, and day-to-day communication.

02

Additional Owner / Contact Optional

Spouse, co-owner, business partner, or anyone else who should be copied on communications or can authorize decisions.

03

Emergency Contact

Someone we can reach if we cannot get hold of any owner — for urgent property situations only.

04

Property Details

The basics on the property we'll be managing.

05

Access & Keys

List every key, fob, or code that exists for the property.

06

Utilities & Services

Provider name and account number for each utility.

07

Insurance & HOA

So we know who to contact in case of a claim or violation.

08

Maintenance Preferences

Help us know when to call you and when to just handle it.

09

Security Deposit

Ohio law requires specific handling of tenant security deposits. Please read carefully before submitting.

Ohio Security Deposit Law — Key Requirements (ORC §5321.16)

  • →Security deposits must be held in a separate, interest-bearing account if the deposit exceeds $50 or one month's rent.
  • →Interest accrues at 5% per annum on deposits held for more than 6 months.
  • →Deposits must be returned within 30 days of lease termination with an itemized written statement of any deductions.
  • →Failure to comply may result in liability for double the wrongfully withheld amount plus attorney fees.
  • →OPMS recommendation: Open a dedicated savings account specifically for security deposits — separate from your personal and operating accounts. Do not commingle these funds.

By submitting, you confirm the information is accurate to the best of your knowledge. We'll follow up within one business day.

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Thanks — we've got it.

Your property information has been submitted. We'll review everything and reach out with next steps.