Investor Cash Flow Loans
This is one of the most popular loan products currently used by seasoned investors. This product allows you to take a loan against almost any investment property as long as the new mortgage payment is less than the rent received by the property. There is no additional income qualification required.
There are no restrictions on how many properties you can own either. This product can be used to do cash-out refinances, rate/term refinances and home purchases as well. These loans are also referred to as NON-QM Loans.
The paperwork is rather streamlined for this product with each loan only requiring only a few documents to qualify. There are no income documents needed to qualify for this loan product.
-Streamlined Documentation Requirements
-Cash-Out Refinance, Rate/Term Refinance and Home Purchase Allowed
-No Value Seasoning (Can Refinance 1 Day After Owning The Property)
-10+ Properties Allowed
-1031 Exchanges Allowed
-Loan will Close In Approximately 30 Days
Frequently Asked Questions
What Is The Difference Between An Investor Cash Flow Loan And A Conventional Mortgage Loan?
Conventional loan products will generally require tax returns, W-2’s and paycheck stubs in order to verify income. An investor cash-flow loan qualifies the income on the transaction based on the rental income received on the property being financed. There are no paystubs/w-2’s or tax returns required to complete this loan process.
What are the interest rates for the investor cash-flow loan?
The interest rates on this product are nearly identical to conventional investment property interest rates. Most investment property rates are in the high 3’s/low 4’s currently. There are fixed rate products as well as interest only products available as well. You should request a quote to get exact numbers on your loan scenario.
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