Real estate is a time-tested long-term wealth generator. Few other investments offer the same qualities in combination as real estate does:
• Current rental income/cash flow
• Potential for price appreciation
• Tangible value
• Built-in hedge against inflation
• Ready availability of leverage
• Tax deductions for depreciation
If you are a real estate investor, or if you are thinking of buying your very first rental property, chances are we have a mortgage program that suits your needs – designed specifically for the real estate investor.
No tax returns necessary.
If you want to buy an investment property but you’re worried about submitting tax returns, don’t be. We understand that many investors and businesspeople re-invest substantial cash flow back into their businesses. Tax returns may show an artificially low income that doesn’t fully reflect an investor’s or a business owner’s capacity to pay down a mortgage. Our investment property mortgage programs are underwritten using the subject property and its rent generation potential… not your personal tax returns.
No income verification.
No income verification, no problem. For investors, that is. In most cases, we can get you a very competitive rate for either a fixed-rate or adjustable rate mortgage just by looking at the investment potential of the property. When it comes to investment properties, what counts is the projected rental income from the property, and that it is enough to cover the mortgage payments, property taxes, insurance and HOA dues (when applicable).
Our lenders do consider your personal credit score. For this particular program, you should have a credit score of 620 or better.
If you are self-employed, a business owner, a gig economy worker, retired, or otherwise don’t quite fit “in the box,” don’t be afraid to give us a call. Chances are excellent we have a program for you.
Have an investment property in mind? Call us today at (949) 494-4861. Or fill out our online application here.
To learn more about our Alternative Document Home Loans for real estate investors, please visit the following pages here on our website:
Investor – No Income Verification Loan
The applicant will complete the traditional underwriting process with no income verification.
No Income Verification Loan
Investor – Property Cash Flow Loan
This program is designed for experienced real estate investors and qualifies borrowers based on cash-flow solely from the subject property.
Property Cash Flow Loan
Investor – Private Money
Equity-based purchase, refinance and construction loans.
Private Money Loan