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Mortgages for Investors

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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.

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-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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Aleksey Moody, Loan Officer #2091836 

Edge Home Finance Corporation, NMLS #891464. 1206 Pacific Ave #600, Tacoma, WA 98402

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Edge Home Finance Corp, is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580. 

Pre-approvals are based on underwriter review of credit and income documentation only. A pre-approval is not a loan approval, rate lock, guarantee or commitment to lend. An underwriter must review and verify a complete loan application after you are preapproved in order to qualify.

This is not a commitment to lend. Prices and guidelines are subject to change without notice. Some products may not be available in all states. Subject to review of credit and/or collateral; not all applicants will qualify for financing. It is important to make an informed decision when selecting and using a loan product; make sure to compare loan types when making a financing decision.

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