95% Investment Property Financing

95% investment property financing is now available from two of my favorite lenders with a single loan. The most attractive feature, in addition to the ability of financing 95% of an investment property, is that there is no mortgage insurance required. Email 95% Investment Property Financing questions

The 95% investment property financing programs ae available as 30 year fixed rate loans from both lenders and also as mid term ARMs from one. Both lenders will allow credit scores on 95% investment property financing down to 660 but 95% investment property financing rates are significantly better with scores above 720. One lender offers both an interest only 95% investment property financing feature and a 40 year term to reduce your investment property payments. I will be happy to run the numbers for you to see which 95% investment property financing approach makes the most sense in your individual situation. Please note that these 95% investment property financing programs are available for 1-2 unit residential properties only.

I have an investor loan based on the LIBOR Index. The LIBOR (London Interbank Offered Rate) Index is more stable than the COFI index (Cost of Funds Index). Comparison charts between the COFI, LIBOR and MTA indexes are available. One feature of the program is four repayment options. You can decide to amortize the loan for 30 or 15 years, a minimum amount, or interest only. You can choose every month and have the flexibility to manage cash flow as never before!

Many of my clients are converting from fully amortizing payments to an interest only approach with a significantly lower monthly payment. I have some extensive information available. Read more to see if this powerful tool could work for you.

I have a page on how to calculate your 95% investment property financing qualification ratios.

In 2008, Short Sales are where most of the action in real estate is. Learn more about Short Sales

Limited and No Documentation loans are available.

Rehab programs for non owner occupied property

If your interest is in foreclosure property as a real estate investment, visit my foreclosure page for information and links to property resources.

If you are looking at foreclosure property as an investment, I have a free report available by email. Request a Good Faith Estimate before you apply.

Here are my thoughts on the difficulty of "flipping" investor properties.

For the the greatest flexibility and maximum loan qualifying ratios, you may be interested in the Cash Flow ARM.

Learn more about investing in real estate

New! I have added a page on how to properly compare different investment property that may be helpful to you

I have a page on documentation requirements.

Learn more about commercial loans

Learn about closing in an LLC

RealProspect - Direct mail automation, prospect management and scheduled follow-up software for creative real estate investors!

As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your consumer and mortgage debt is structured today can have a life changing effect in the years to come. Read more about this free, no obligation service.

New! View my Wealthbuilder presentation and learn the safe way to manage your debt and fund your retirement.

I hope the information on this page was useful to you. Please scroll down to view my Mortgage Market Guide. It is a weekly publication explaining the financial markets from a consumer's perspective that is available on this website or by email subscription. I have nearly 8,000 subscribers today and would be happy to have you as well. Your email address will never be used for any other purpose.

Prequalify for your 95% investment property financing.

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©Bob Gammache, CMPS
Certified Mortgage Planning Specialist

Carteret Mortgage
Leesburg and Smith Mountain Lake, VA

Phone (540) 719-1115
Toll Free (888) 648-1714
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Extensive consumer information on construction,remodeling, first time homebuyer,and no documentation mortgages. Carteret Mortgage