1-4 UNIT RESIDENTIAL INVESTOR PROGRAMS

1-4 Unit Low Document Investor Purchase or Refinance Loans

Long Term Fixed Rate Loans for Non-Owner Occupied Properties:
We offer a unique mortgage program for residential real estate investors. This program is a low
documentation, perfect for purchase, refinance or cash out after your have completed a rehab project. Program qualification is based on property income, LTV and FICO score, no personal income is required.

3/1, 5/1, 7/1, 10/1 ARM and I/O options 30 Year Amortization:

80% LTC Purchase Financing

70% LTV Refinance Cash Out
Rates start at 5.75%
Min Loan Amount $55,000 - $3,000,000
Minimum FICO score required of 680
3 months seasoning to use current appraised value. Perfect for refinancing completed rehab projects
Blanket Loan for several properties, min per property value $75k
LOW DOCUMENT no personal income or Tax Returns required
Available in ALL STATES (except NV, SD, ND, MN, OR, VT, HI)

30 year Fixed Rate:

80% LTC Purchase Financing

Documentation for Purchase or Refinance for Rental Loans:

Application
Current market value estimate
Current rental income and market rent estimate
Property taxes
Hazard insurance annual premium
Copy of Lease(s)
HUD from purchase (if refinance)
Rehab budget for work completed (if applicable)
Valid ID
Purchase and sale agreement for the property (if purchase)
Sixty (60) consecutive days of statements of accounts for liquid assets
We will need the following documentation for the entity in which you will be vesting title: Certified Articles, Certificate of Good Standing, Executed Operating Agreement
Insurance policy quote for the property prior to closing
Contact information for your closing attorney or title company