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Investment Property Loan                                                                                                                      

Investment property loan products are my specialty.

You may be interested in the Cash Flow Investment property loan for the the greatest flexibility in investment property loan qualifying ratios, For experienced property investors, there are depreciation and expense treatment methods which improve your investment property loan ratios. I have developed extensive knowledge of the underwriting requirements of an investment property loan. Email investment property loan questions.

Investment property loan products fall into two categories: Fannie & Freddie and our Investment Property Loan Specialty Programs. 

Investment property loan products sold to Fannie Mae or Freddie Mac require a down payment from 10% to 25% with a delivery fee from 1.5 to 3 points. Please understand that these investment property loan fees are imposed by Fannie and Freddie and are not charges from your mortgage broker. The fee allows using conventional rates and loan limits. These conforming investment property loan products are available as either fixed rate or an investment property loan ARM. Even with the investment property loan delivery fees, these investment property loan products can be a good choice if your goals are to maximize cash flow and you plan to hold the investment property for a 3 to 5 year period. Ratios are normally 28/36, but with automated underwriting, excellent credit and some liquid reserves, I see back ratios in the middle 40s. Rental income is decreased by a 25% vacancy factor but there are underwriting methods which eliminates this issue for experienced investors.

The Investment Property Loan Specialty program (actually a growing group of investment property loan programs) allows purchase or refinances with only 5% equity. The program allows up to 20 properties plus your home. Available up to $1,000,000 and 2-4 unit properties are acceptable. Ratios are generally 34/40 and a No Documentation Investment Property Loan Program is available.  

100% investment property loan financing is now available with fairly reasonable rates. These programs have been available for a while, but at extremely high rates compared to market rates.

Read more about Investment Property Loan Closing Costs

If you are looking at foreclosure property, I have a free report available by email.

I have a page on how to calculate your qualification ratios.

No Documentation loans are now available.

If the building you are looking at contains 5 or more units, you will need commercial loans.

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

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

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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.

Investment Property Loan Prequalify for your Investment Property Loan.

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