Buying Your First Investment Property

You’ve done your homework. You’ve calculated operating costs, evaluated margins, factored in unexpected costs, and considered return on the dollar. You’ve weighed all the risks and rewards and decided that investing in real estate is a great way to diversify your portfolio. Now comes financing. Luxury Mortgage makes that easy with our Simple Access® Non-QM Investor Cash Flow or Full Doc programs.

If you are a new landlord, conventional loans may not be an option because of their stricter requirements. Our creative financing products provide more solutions, including using predicted rental income to help qualify for an investment property loan, with no minimum landlord experience required.

Investor Cash Flow Loan

Using an appraisal, based on nearby comparable properties, to help put a value on the property, you can determine how much the property can be rented for in the open real estate market. This is used to help determine the potential of future rental income.

Our Simple Access® Non-QM Cash Flow loan qualification highlights include:

• Borrow up to 80% of the property value.
• Have a minimum credit score of 580.
• No employment or income documentation required.
• Loan amounts up to $3,000,000.00.
• No limit to the number of financed properties the borrower has.
• Competitive pricing.

Full Documentation Loan

Another financing option for investors is our Simple Access® Non-QM Full Documentation, also called a Full Doc loan.

For borrowers who don’t quite fit into the conventional loan program, the Full Doc loan requires a full verification of all the income and assets as well as tax returns, profit and loss statements, balance sheets, bank statements and other personal and business documentation.

Simple Access® Non-QM Full Documentation highlights include:

• Loan amounts to $3.5MM
• Fixed and adjustable-rate mortgages
• All occupancy types (Primary residence, second home or investment property)
• Multiple financed properties allowed
• Non-Warrantable Condos may be considered

Ready to Learn More?

If you’re ready to buy your first investment property, we’re ready to help. Connect with one of our licensed mortgage consultants today to learn more about the Simple Access Non-QM Investor Cash Flow or Full Doc Loan Programs. Simply use the buttons below to get started!