Real Estate Investor Loans

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

Email Real Estate Investor Loans questions

Real Estate Investor Loans fall into two categories: Fannie & Freddie loans and our Real Estate Investor Loans Specialty Programs.

Real estate investor loans sold to Fannie Mae or Freddie Mac require a 20% down payment and a 1.500 point real estate investor fee. The real estate investor fee allows using conventional rates and loan limits. Ratios are 28/36. 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 Investor Loans Specialty program allows purchase or refinances with only 5% equity. The real estate investor program allows up to 20 properties plus your home. Available up to $1,000,000 and 2-4 unit properties are acceptable. Ratios are 34/40 and No Documentation Real Estate Investor Loans are available. Fixed rate only.

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

I have an real estate investor loan based on the LIBOR or MTA Index. The LIBOR (London Interbank Offered Rate) Index is more stable than the COFI index (Cost of Funds Index) but the MTA is a better index in a rising rate environment as it is a "lagging indicator".One feature of the program is four repayment options, a minimum payment, interest only, or 30 and 15 year fully amortizing payments. You can decide to amortize the loan for 30 or 15 years, a minimum amount, or interest only. You can choose every month and have the flexibility to manage cash flow as never before!

Learn more about Real Estate Investor Loans Closing Costs

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

Learn how to calculate your qualification ratios.

I have a page on documentation requirements.

Limited and No Documentation loans 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.

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

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

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

New! I have added a page on how to properly compare different investment property that may be helpful to you

Learn more about investing

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 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 Real Estate 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