New Year’s resolutions often include financial goals, including paying off credit cards, building a savings account, budgeting better, and planning ahead for retirement. If you are starting 2022 off with some new financial to-dos, how about diversifying your portfolio with an investment property?

Why Real Estate is a Sound Investment

A well-diversified portfolio can benefit by adding long-term investments like real estate. Since most properties tend to appreciate in value, real estate can provide additional income, tax breaks and deductions, and build equity and wealth for your future.

Financing Options Available for Landlords

With Luxury Mortgage’s Simple Access® Non-QM Investor Cash Flow loan program, purchasing investment property is easier than ever before.

Unlike a conventional loan, no tax returns, personal income, or employment information is required. In fact, you don’t even have to have previous landlord experience. This unique program allows borrowers to qualify based on predicted property cash flow.

Loan Qualifications

Our Simple Access® Non-QM Investor Cash Flow loan is not available for first-time home buyers, and borrowers must have a minimum credit score of 580. Additionally, the Investor Cash Flow loan uses a debt service coverage ratio (DSCR) on the subject property to determine a borrower’s eligibility.

The DSCR is calculated by dividing the gross rents by qualifying principal, interest, taxes and association fees (PITIA). The ratio must be greater than or equal to 1 to qualify.

Loan Features

  • Loan amounts up to $3.5MM.

  • No debt-to-income (DTI) or employment verification required.

  • All occupancy types (Primary residence, second home or investment property).

  • Multiple financed properties allowed.

Interested in learning more about Luxury Mortgage’s Simple Access® Non-QM Investor Cash Flow loan? Use the buttons below to get started.

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We're dedicated to helping borrowers find the right home loan program for their situation. Contact us today for a free quote and consultation.

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