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Mortgages for Investors


Interested in House Hacking 2-4 unit properties?

FHA is a great strategy for that. Use expected income from the other units to qualify, and all you need is the 3.5% down payment.

Can't qualify for conventional financing? You are not limited to hard money!


Cash Flow Loans: AKA DSCR (Debt Service Coverage Ratio). Qualify based on the cash flow of the property, not your personal finances. This is a great tool whether you are looking to grow an existing portfolio, are a first time investor, or already have a mortgage on your primary home and do not have enough personal income to qualify for another. Interest only options are available to further increase your monthly cash flow.

- As low as 15% down and up to $3 million loan amount.

- Property can be financed into LLC, no limit on number of properties.

- 1-4 unit properties and warrantable/non-warrantable condos allowed.

- 30 year fixed or 40 year interest only.

- Purchase, cash out refinance or rate/term refinance.

Asset Qualification: For those who have little or no income, but have substantial liquid assets (such as retirement/stock accounts). No income, employment, or debt-to-income ratios used.

-Up to $4 million loan amounts on 1-4 units (primary homes and investments) and warrantable/non-warrantable condos and condotels.

-20% down minimum. Interest only options available.

Mixed Use: For 2-8 unit properties that can include commercial and living space. Can finance small apartment buildings or row of townhomes with this.


-Qualify based on cash flow of property, not personal finances.

Up to $2.5 million loan amount, this program requires more down than most others.

- Adjustable rate, 15 year, 30 year fixed, 40 year interest only

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