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Welcome to NVA Mortgage!
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Option Arm Manage your Mortgage!


Interest Only Mortgage

No Doc

Real Estate Investor


Investment Property Loans

Investment property loans are my specialty.

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

Investment property loans fall into two categories: Fannie & Freddie and our Investment Property Loans Specialty Programs. 

Investment property loans 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 loans fees are imposed by Fannie and Freddie and are not charges from your mortgage broker. The investment property loans fee allows using conventional rates and loan limits. Conforming investment property loans are available as either fixed rate or an investment property loan ARM. Even with the investment property loans fees, investment property loans 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 Loans Specialty program (actually a growing group of investment property loans) 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. Available as a fixed or adjustable rate in many reduced down payment scenarios.. 

NEW! 100% investment property loans are now available with fairly reasonable rates. These investment property programs have been available for a while, but at extremely high rates compared to market rates. We finally have a source of financing that will allow you to acquire property with limited out of pocket costs.

I have an investor loan based on the LIBOR or MTA 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 option arms for investment property is four repayment options. You can decide to amortize the loan for 30, 40 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

Read more about Investment Property Loans 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. We can still help you with your financing needs.

Here are my thoughts on the difficulty of "flipping" real estate.

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

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 Loans Prequalify for your Investment Property Loans.

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