Real Estate Investment Financing

Real estate investment financing is my specialty. I have developed extensive knowledge of the underwriting requirements of these real estate investment financing products. For experienced real estate investors, there are depreciation and expense treatment methods which improve your financing ratios. Email real estate investment financing questions.

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

Real Estate Investment Financing Programs fall into two categories: Fannie & Freddie and our Real Estate Investment Financing Specialty Programs.

Investor loans sold to Fannie Mae or Freddie Mac require a down payment ranging from 10% to 25% with a investment property fee ranging from 1.5 to 3 points. Please understand that these investment property 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 real estate investment loans are available as either fixed rate or an ARM. Even with the investment property fees, these investment property loans can be a good choice if your goals are to maximize cash flow and you plan to hold the real estate 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 real estate investors.

The Real Estate Investment Financing Specialty program (actually a growing group of investment financing 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 program is available. Available as a fixed or adjustable rate scenarios.

100% real estate investment financing is now available with reasonable rates. These programs have been available for a while, but at extremely high rates.

Please email me with questions about Real Estate Investment Financing

Learn more about Real Estate Investment Financing Closing Costs

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

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, visit my foreclosure page.

To maximize your cash flow, you may want to consider using interest only loans.

For the the greatest flexibility, you may be interested in the Cash Flow ARM.

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

Rehab programs for non owner occupied units

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 debt is structured today can have a life changing effect in the years to come. Read more about this free, no obligation service.

Prequalify for your Real Estate Investment Financing.

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