Investor Loans

Investor loans are my specialty. Investor loans require expertise. For the experienced investor, depreciation and expense treatment methods which enhance your investor loans ratios are available. For new investors, there are investor loans allowing lower down payments. 100% investor loans are available. Email investor loans questions

I am an aggressive real estate investor, and much of my information on investor loans comes from analysis done for my own investor properties. As an active investor, I consider each investor deal unique and understand that no investor loans are right for every opportunity. Call or email me with the specifics of the investor contract.

Learn how to properly compare varied investor property

Learn to be an investor the proper way

Investor Loans programs fall into two categories: Fannie & Freddie and our Investor Specialty Programs.

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 be aware 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 adjustable rate mortgage. Even with the investor fees, these products can be a good choice if your goal is to maximize cash flow and you are planning to hold the property for a 3 to 5 year period. Ratios are normally 28/36, but with automated underwriting, superior credit, and some liquid reserves, I see debt ratios in the middle 40s. Rental income is decreased by a 25% vacancy factor but there are underwriting methods eliminating this issue for experienced individuals.

The Specialty program allows purchases with only 5% down. It 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

Calculate your investor loans qualification ratios.

Here are my thoughts on "flipping" investor properties.

Limited and No Documentation programs are now available.

Are you considering refinancing an investment property?

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

For the the greatest flexibility, investigate the Cash Flow ARM.

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

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

Learn more about investing

Learn about closing in an LLC

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 Investor Loans.

Home Equity Interest Only Mortgage Investor Loans Jumbo Mortgage Links Reverse Mortgage No Downpayment Loan Refinance Center Site Map Vacation Home Loans Commercial Loans Home

©Bob Gammache, CMPS
Certified Mortgage Planning Specialist

Carteret Mortgage
Leesburg and Smith Mountain Lake, VA

Phone (540) 719-1115
Toll Free (888) 648-1714
bgammache@Verizon.net
AOL Instant Messenger bgammache1

NEVER an Origination Fee!

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