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Loans for Real Estate Investing
                                                                                                                      

Loans for Real Estate investing is my specialty. I have developed extensive knowledge of the underwriting requirements of loans for real estate investing products. For experienced real estate investors, there are depreciation and expense treatment methods which improve your ratios.

I am an active real estate investor, and much of my knowledge of these programs comes from research I have done for my own real estate. As an active real estate investor, I understand that each deal is different and that there are no loans that are the right answer for each situation. Please call or email me with the specifics of what you want to do. I will need to know your anticipated hold period, anticipated cash flow, current rate of appreciation in your market, and whether your real needs are for a reduced down payment or to maximize cash flow Email with questions about loans for real estate investing

Loans for real estate investing fall into two categories: Fannie & Freddie and our loans for real estate investing specialty programs. 

Loans for real estate investing sold to Fannie Mae or Freddie Mac require a down payment ranging from 10% to 25% with a delivery 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 fee allows using conventional rates and loan limits. These conforming loans are available as either fixed rate or an ARM. Even with the delivery fees, these 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 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 loans for real estate investing specialty program (actually a growing group of investor 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 loans for real estate investing is available. Available as a fixed or adjustable rate scenarios. 

NEW! 100% loans for real estate investing are now available with reasonable rates. These programs have been available for a while, but at extremely high rates compared to market rates. We 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. One feature of the program is four repayment options. You can decide to amortize the loan for 30 or 15 years, a minimum amount, or interest only. You have the flexibility to manage cash flow as never before!

Read more about Loans for Real Estate Investing Closing Costs

Calculate your qualification ratios.

I have a page on documentation requirements.

Limited and No Documentation loans are now available.

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

If your interest is in foreclosure property as a real estate investment, visit my foreclosure page. I have a free report available by email.

If you need to maximize your cash flow, you may want to consider using one of the new interest only loans.

For the the greatest flexibility, you may be interested in the Cash Flow ARM loans for real estate investing. This may be the very best option for an investor.

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