Investment Property Financing
Full Document Investment Loans
Full Document Investment Loans have better rates than DSCR Loans! Very similar as an owner-occupied home mortgage application process and being able to close in 20 days or less is typical. We recommend that you apply for this option 1st. If you qualify, there is more cash flow from your investment property due to lower interest rates.
- 660 FICO +
- 43% DTI <
- 12 & 24 Month Bank Statements
DSCR Loans
The Debt Service Coverage Ratio (DSCR) Loans for investors who exceed 45% DTI or want to keep a loan off their personal credit. This loan is designed for Real Estate Investors who want to qualify for a mortgage based on cash flow generated by their investment property instead of using income proof, tax returns, employment information, etc.
- Single property and portfolio loan options
- Non-recourse
- 620 FICO +
Fix & Flip
Most lenders do not lend in MSA's with a population less than 50,000, we are able to lend in rural areas. These loans for investors who are buying distressed properties, rehabbing, and selling.
- 620 FICO +
- $200K Minimum Loan
Fix 2 Rent
Loans for investors looking to buy, rehab and hold rental properties, or BRRRR investing. Buy, renovate, rent, refinance, repeat! Finance all your BRRRR properties with a simple, fast process!
- Single property and portfolio loan options
- 12-month term options for the construction
- 30-year term options for the rental loan
- 660 FICO +
Build 2 Rent
No Experience Required, better terms with experience.
- 12-month term options for the construction
- 30-year term options for the rental loan
- Non-recourse
- Land Purchase counts toward Down Payment
- 660+ FICO
