Investment Property Mortgage

Investment property mortgage products are my specialty. I have extensive knowledge of the underwriting requirements of an investment property mortgage. For experienced property investors, there are depreciation and expense treatment methods which improve your investment property mortgage ratios. For new property investors, there are programs allowing investment in property with lower down payment requirements. 100% investment property mortgage financing is available with reasonable rates. These investment property mortgage programs have been available for a while, but at extremely high rates. Email investment property mortgage questions.

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

Investment property mortgage products sold to Fannie Mae or Freddie Mac require a down payment ranging from 10% to 25% with an investment property mortgage fee ranging from 1.5 to 3 points. Please understand that these fees are imposed by Fannie and Freddie and are not charges from either your lender or your broker. However, the investment property mortgage fee allows using conventional rates and loan limits. These conforming loans are available as either fixed rate or an ARM. Even with the investment property mortgage fees, these 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, it is not uncommon to 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 Mortgage Specialty program (actually a growing group of investment property mortgage 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 mortgage is available. Available as a fixed or adjustable rate in many reduced down payment scenarios..

I have an loan based on the LIBOR Index.

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

Limited and No Documentation loans are now available for investment properties.

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

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

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 Investment property mortgage.

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

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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 Investment Property Mortgage.

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©Bob Gammache, CMPS
Certified Mortgage Planning Specialist

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Extensive consumer information on construction,remodeling, first time homebuyer,and no documentation mortgages.