There are a number of different types of investment loans available to you, and it can pay to familiarize yourself with them. Luckily we're here to help you choose the best type of home loan for your needs.
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The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.
A Non-QM loan, or a non-qualified mortgage, is a type of mortgage loan that allows you to qualify based on alternative methods, instead of the traditional income verification required for most loans. Common examples include bank statements or using your assets as income.
A fix and flip loan—also referred to as a bridge loan in real estate, swing loan, interim financing, or gap financing—is a short-term loan that provides you with the working capital you need to meet the immediate financial obligations of your fix and flip project. This kind of loan is typically for a 12-month term or less and can be obtained in a matter of days. Like most other types of property loans, collateral is required for an underwriter to back the loan.
Through our proprietary online commercial real estate lending platform we are changing the way borrowers obtain commercial real estate loans. Commercial mortgage loans available for both investor and business owner-occupied commercial real estate properties. We help unlock the full potential of your commercial real estate investment with commercial financing options customized around your needs, goals and property characteristics.
Conventional loans are the most common type of real estate loan issued. These loans are not backed by any government agency, and to qualify, investors need good credit, and steady income, and a down payment of at least 15% of the property's value. Conventional loans offer lower interest rates, yet have a stricter eligibility criteria. The loan is based on appraised value, and require a comprehensive financial analysis of the borrower.
Mortgage interest can be one of life’s biggest financial obstructions. The All-in-One First Lien HELOC was developed by homeowners and mortgage professionals as a solution. By combining banking functionality with home financing into one dynamic instrument, borrowers are able to save tens of thousands of dollars and years off their loan.
Debt-Service Coverage Ratio or DSCR loans enable the real estate investor to qualify for an investment properly based on rental income generated rather than personal income. These loans are ideal for self-employed investors, investors with multiple mortgaged properties, and investors looking to grow their portfolios rapidly.
A non-recourse loan is a loan where the IRA account holder is not personally liable. The loan is to the IRA not the individual IRA owner and it is secured by collateral, usually the real estate.