For Investors

We have loan products for the experienced Investors as well as the novice/beginners. The main difference in this kind of loan is that you can save costs and obtain a lower down payment, which the beginner cannot have. That is the biggest benefit you can have as an Investor.

Our Lenders offer the following programs for Investors:

  • Cash-flow Investor Program

 

  • 1 day out of foreclosure, short sale, BK, DIL
  • Rates starting in the low 5’s
  • Loans up to $1 million
  • Credit scores down to 500
  • Up to 85% LTV
  • Combo loans up to 85% CLTV (min 680 score)
  • DTI up to 50% considered
  • Owner-occupied, 2nd homes, and investment properties
  • Non-warrantable condos considered
  • Jumbo loans down to 500 score
  • 5/1 ARM or 30-year fixed
  • No pre-payment penalty for owner-occ and 2nd homes
  • No active tradelines OK with housing hisstory
  • SFRs, townhomes, condos, 2-4 units
  • Seller concessions to 6% (2% for investment)

 

No Income Stated or Verified

 N/O/O Only (SFR, Condo/Townhouse, 2-4 Units, Mixed-use, Office, Retail)

 $100,000 – $2,000,000 Loan Amounts (see our Hard Money Product for larger loans)

 30 year amortization – 3, 5 or 7 year Fixed Term available

 Prepayment Penalty Ranging from 1- 3 years

 Up to 75% Purchase with a 650 FICO

 Up to 70% Refinance with a 650 FICO

 FICO down to 500 with LTV Restrictions

 Interest Only Options Available

 No Reserves Required

1st time Home Buyer OR Borrower that Rents their Primary – OK

 Lender allows Gift of Funds and Non-Seasoned Assets

 

FIX & FLIP:

 

Program #1:

Down payment: Up to 15% of the purchase price

Rehab: Up to 100% of renovation costs

Short term/Bridge Loans

Minimum Loan Amount: $75,000

 

Program #2:

Down payment: 20% of the purchase price

Minimum Loan Amount: $100,000

7-month term (extensions available)

Rates starting at: 9%

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Program #3:

FIX AND FLIPS – STATED INCOME LOANS

Investment Single Family Homes; 1-4 Units; Multi-Family

Commercial Mixed Use or Office; Retail; Warehouse; Self-storage; Auto Service

Up to 75% LTV; Credit score 650+; 30-year Amortization; No income verification; No Tax Returns; No Paystubs; No seasoning;

No verification of funds; Unlimited Cash-out; From $100K to $5 Millions

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Buy & Keep: (Several programs are available)

Down payment: 20% of the purchase price

Minimum Loan Amount: $250,000

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Other available Programs:

25% down payment

30% down payment (if low credit scores)

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