INVESTOR MORTGAGES - NO INCOME REQUIRED
Investment Properties Only - Up to 8 Units
Purchase an Investment Property with No Income Verification
Qualify with Proposed Rent to Cover New Mortgage Payment
- Interest Rates Starting at 6.75% with 25% Down
- Loans up to 85% - Purchase or Cash Out for any Reason
- Loans up to $20 Million Dollars
- No Limit on the Amount of Properties you can own
- Interest Only Terms Available
- No Personal Income Used to Qualify
- Credit Scores from 640 Required
- YOU QUALIFY ON THE PROPERTY CASH FLOW - IT'S THAT SIMPLE
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PurchaseRefinance & Cash OutLoan Programs
There are several types of loan programs available for homebuyers, each with its own features, benefits, and eligibility requirements. Here are some of the most common loan programs:
Conventional (Fannie Mae & Freddie Mac) Loans
- As Low as 3% Down Payment
- Down Payment Assistance Available (Restrictions Apply)
- 620 Minimum Credit Score
- Loan Terms from 10 to 30 Years
- Down Payment Can be Gifted
- Monthly Mortgage Insurance
- Not Required with 20% or More Down Payment
- Automatically Cancels at 78% LTV (Loan-to-Value)
- $726,200 Maximum Loan Amount
FHA (Federal Housing Administration) Loans
- 3.50% Down Payment
- Down Payment Assistance Available (Restrictions Apply)
- 600 Minimum Credit Score
- Loan Terms from 10 to 30 Years
- Down Payment Can be Gifted
- 1.75% Upfront Mortgage Insurance Premium
- Financed into Loan Amount
- 0.55% Monthly Mortgage Insurance
- Remains for Life of Loan (if Down Payment is < 10%)
- $472,030 Maximum Loan Amount
FHA 203k (Home Renovation) Loans
- 3.50% Down Payment
- Streamline 203k Loan
- Use for Cosmetic and Common Repairs up to $35,000
- Standard 203k Loan
- Use for Extensive Repairs Over $5,000
- 640 Minimum Credit Score
- Down Payment Can be Gifted
- 1.75% Upfront Mortgage Insurance Premium
- Financed into Loan Amount
- 0.55% Monthly Mortgage Insurance
- Remains for Life of Loan (if Down Payment is < 10%)
- $472,030 Maximum Loan Amount
VA (Veterans Affairs) Loans
- Zero Down Payment – 100% Financing
- 580 Minimum Credit Score
- Loan Terms from 10 to 30 Years
- No Monthly Mortgage Insurance
- No Maximum Loan Amount
First-Time Homebuyer Loans
- Down Payment Assistance
- Conventional – Up to 3% (Restrictions Apply)
- FHA – Up to 3.50% (Restrictions Apply)
- Credit Score Requirements
- Conventional – 620+
- FHA – 600+
- VA – 580+
- USDA – 640+
USDA (Rural Development) Loans
- Zero Down Payment – 100% Financing
- 640 Minimum Credit Score
- 0.35% Monthly Mortgage Insurance
- Remains for Life of Loan
- Income and Property Areas Restricted
Investment Property Loans
- 15% Down Payment
- Loans to 20 Million for Purchase or Cash Out
- 620 Minimum Credit Score
- No Monthly PMI Payments
- 10 Year Interest Only Available
- DSCR (Debt Service Coverage Mortgage)
- Qualify Based on Rental Income
Jumbo Loans
- As Low as 10% Down Payment
- Loans to 20 Million for Purchase or Cash Out
- 640 Minimum Credit Score
- Loan Terms from 10 to 30 Years
- 10 Year Interest Only Available
- Full Document with Returns, Bank Statement Loans or No Income Verification Available
- Loan Amounts Over $726,200
Each loan program has its own unique features and requirements, so it's important for homebuyers to research and compare their options carefully to find the loan that best suits their financial needs and goals.
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