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Option Arm Manage your Mortgage!


Interest Only Mortgage

No Doc

Real Estate Investor


Real Estate Investment Loan

Real Estate investment loan products are my specialty. I have developed extensive knowledge of the underwriting requirements of these real estate investment loan products. For experienced real estate investors, there are depreciation and expense treatment methods which improve your ratios. For new real estate investors, there are loan programs allowing investment in real estate with lower down payment.

I am an active real estate investor, and much of my knowledge of these real estate loan 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 may require a different loan solution. 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 real needs are for a reduced down payment or to maximize cash flow

Real estate investment loan programs fall into two categories: Fannie & Freddie and our Real Estate Investor Specialty Loan Programs. 

Real Estate investment loan products 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 investment loans are available as either fixed rate or an ARM. Even with the delivery fees, these real estate investment 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, 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 Real Estate Investor Loan Specialty program (actually a growing group of real estate 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 program is available. Available as a fixed or adjustable rate in many reduced down payment scenarios.. 

NEW! 100% investor financing is now available with fairly reasonable rates. These programs have been available for a while, but at extremely high rates We finally have a source of financing that will allow you to acquire real estate with limited out of pocket costs. 


Please email me with any questions about the Real Estate Investment Loan

Learn more about Real Estate Investment Loan Closing Costs

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

I have a page on documentation requirements.

Limited and No Documentation products are now available.

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

If your interest is in foreclosure property, visit my foreclosure page for information and links to property resources.

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

Here is a good article on the difficulty of "flipping" real estate investment properties.

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. 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

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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.