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Rental homes are often an excellent investment for many reasons, including tax benefits, monthly rental income, long-term appreciation, and secure and tangible equity. Like any other investment, timing is a crucial factor in buying. An excellent rental home opportunity can depend on when the offer is presented and how quickly the loan can be closed. Because loans for rental homes are considered business-purpose transactions, the standard consumer protection disclosure process doesn't necessarily apply to a rental or investment home loan process, meaning sellers of rental and investment home transactions often expect a more aggressive approach from the buyer's lender than that of a traditional primary residence and can often be hard to get through a traditional bank.
Many traditional lenders aren't aggressive in funding rental home loans. They may help you, but they're probably more interested in you keeping your down payments in their depository or investing in their financial planning products. Therefore, we specialize in various rental and investment home loans that help you purchase aggressively and conveniently. We provide loans for rentals with the following features.
Minimum down payments as low as 15% allow you to maximize your investment capital for other properties and projects.
No personal or rental income is required for loan approval in many cases.
Bridge Loans compete with cash buyers to close in five to ten days or cases where the appraisal condition wont satisfy a traditional bank.
No limitations on the number of properties that you own.
Apartment buildings are an excellent type of investment property. They can offer dependable cash flow returns and long-term appreciation. It can be a good investment category for passive investors with well-structured property management. Apartment buildings can also be a significant value-added investment by improving the building and increasing rents for the professional investor and asset syndicator. Compared to commercial properties, apartment building tenants are not specialized, allowing for fewer management limitations so you can concentrate on building your portfolio.
However, apartment buildings can be challenging to finance without the right lender. Many lenders prefer short-term amortization loans, large down payment percentages, strict cash-flow calculations, and restricted geographic locations. Traditional banks often require the borrower to have a sizeable net worth with many liquid assets. This can make leveraging your capital and investment portfolio difficult. Because many multifamily investment opportunities don't work out if the capital required to improve the property and increase rents immediately after purchasing is not available. Through our broad base of lender relationships, we can access loan programs that provide you with the following flexibility.
Lender relationships throughout California and across the US to reduce geographical restrictions and access the most competitive rates.
Competitive terms, including short-term fixed with extension options, amortization as long as 30 years, and adjustable rates without balloon payments.
Low down payment options as low as 20% to allow maximum leverage.
Minimal liquidity requirements allow you to invest capital in other properties in your portfolio and other projects or businesses.
Property income – many of our lenders place a far bigger emphasis on property income than on to your personal income allowing us to base your loan approval on positive cashflow from the building.
Improvement funds for building upgrades can be included in your purchase loan providing the funding you need from one transaction as opposed to adding fees through multiple refinance transactions.
Large loan amounts ranging from 50MM+
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We want to give you 10% discount for your first order,
Use discount code at checkout
We want to give you 10% discount for your first order,
Use discount code at checkout