Investor Loans

Investor loans are my specialty. Investor loans require experience. For an experienced investor, there are depreciation and expense treatment methods which improve your investor loans ratios. For new investors, there are investor loans allowing investment iwith lower down payment requirements. 100% investor loans are now available. Investor loans questions

I am an active real estate investor, and much of my knowledge of these investor loans comes from research I have done for my own investor properties. As an active investor, I understand that each investor deal is different and there is no investor loans that are right for every situation. Call or email me with the specifics of the investor deal.

I have a page on how to properly compare different investor property

Investor loans sold to Fannie Mae or Freddie Mac require a down payment ranging from 10% to 25% with an investor delivery fee ranging from 1.5 to 3 points. Please understand that these investor fees are imposed by Fannie and Freddie and are not charges from either your lender or your broker. However, the investor fee allows using conventional rates and loan limits. These conforming investor loans are available as either fixed rate or an investor loans ARM. Even with the investor fees, these investor loans can be a good choice if your goals are to maximize cash flow and you plan to hold the 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 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 Specialty program allows purchases with only 5% equity. The program allows up to 20 properties plus your home. Ratios are generally 34/40. A No Documentation investor loans program is available.

I have a product based on the LIBOR or MTA Index. One feature is four repayment options. You decide to amortize the loan for 30 or 15 years, a minimum amount, or interest only.

Read about Investor Loans Closing Costs

How to calculate your investor loans qualification ratios.

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

Limited and No Documentation products are now available.

If you are considering refinancing an investment property,

For the the greatest flexibility, look at the Cash Flow ARM.

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

Many of my clients are converting to an interest only approach with a lower monthly payment.

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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.

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