A real estate investment loan is a type of financing specifically designed for individuals or businesses looking to purchase, refinance, build, or renovate investment properties. These loans are tailored to help investors fund properties that will generate income through rental, resale, or other forms of investment return.

To qualify for a real estate investment loan, lenders typically consider:

• Credit score: Higher credit scores generally qualify for better loan terms.
• Income and financial health: Lenders will review your income, assets, and overall financial standing.
• Experience in real estate investing: If you're an experienced investor, it can positively impact your application.
• Debt-to-Income (DTI) ratio: Your total debt obligations compared to your income.
• The property’s potential value and income: The property's cash flow potential, such as rental income or resale value, will be evaluated to determine its investment viability.

We offer a variety of loan programs designed to meet the needs of real estate investors, including:

• Private Money Loans: Loans provided by individual investors or private parties, typically offering more flexible terms.
• Non-QM (Non-Qualified Mortgage) Loans: Loans that don’t conform to traditional mortgage guidelines, ideal for investors with unique financial situations.
• Commercial Investment Loans: For larger commercial properties or multi-unit residential buildings.
• Bridge Loans: Short-term loans to bridge the gap between purchasing a new property and selling an existing one.
• Cash-Out Refinancing: Tap into the equity of your existing properties to fund future investments.

Our loan officers will work with you to understand your investment strategy and help find the best loan option for you.

The time it takes to secure an investment loan can vary depending on factors like the complexity of the loan, the type of property, and the underwriting process. On average, the process can take 20-30 days from application to closing. However, our team is committed to expediting the process and working efficiently to meet your investment timeline.

Closing costs are fees subject to the mortgage transaction, including loan origination fees, appraisal fees, title insurance, and more. Our team will provide you with a detailed breakdown of closing costs specific to your loan.

Yes! Getting pre-approved for an investment loan is a smart way to strengthen your position when making offers on investment properties. Pre-approval involves our team reviewing your financial information and providing you with a letter that indicates the maximum amount you can borrow. This helps you determine your budget, speeds up the buying process, and makes your offers more attractive to sellers.

Yes, we offer refinancing options for real estate investors. Refinancing can help you:

• Lower your monthly payments
• Access equity in your property for additional investments
• Switch from an adjustable-rate mortgage (ARM) to a fixed-rate loan
• Improve loan terms or change your loan structure

Our team will assess your current mortgage, your financial goals, and help you determine if refinancing is the best option for you.

Yes! You can use an investment loan for renovations or improvements through a rehab loan or a fix-and-flip loan. These loans are designed to help you purchase and renovate a property, with the renovation costs included in the loan amount. This allows you to increase the property’s value and earn a higher return on investment.

Many investment loans do not have early repayment penalties, but it depends on the loan type. For example, some hard money loans or certain commercial loans may charge a prepayment penalty if paid off before a certain period. We will always ensure you understand the terms of your loan before signing, including any potential penalties.

Yes, real estate investors can use loans to purchase multiple properties. You may be able to apply for a portfolio loan, which combines several properties into one loan, or secure individual loans for each property. Our team can help you explore your options and determine the best approach based on your investment strategy.

To improve your chances of loan approval, consider the following:

• Maintain a strong credit score (typically 600 or higher for most loans)
• Have a solid business plan for your investment property
• Ensure a low debt-to-income ratio to demonstrate your ability to repay the loan
• Have a healthy cash reserve to cover unexpected costs or vacancies
• Provide detailed documentation of your investment experience and property performance