New mortgage loans are rolling out for Texas, Florida, Arizona, and Nevada income property investors.

We lend in most every state in the USA...

So how are these new investor property loans different, who are they for, and what advantages do they provide for those seizing on the opportunity?

In Demand Capital for Investors in Rebounding States

While NV, AZ, and FL were amongst the hardest hit states in the foreclosure crisis, they have also been the front runners in the rebound, joining strong economic states like Texas.

This makes them especially attractive from a lender’s perspective, as well as being strong markets for continued expansion by rental home investors.

Deep discounts, and a plethora of affordable homes in these states have seen properties scooped up in bulk, often for cash. Over the last 24 months many regions like Las Vegas, South Florida, Jacksonville, Phoenix, and Dallas have seen incredible home price growth. With the average home flipped in these areas pocketing flippers an average of $50k to over $60k, those holding their acquisitions as rentals can expect their equity to have swelled equally, while collecting rent checks.

Many of these income property investors have large sums of capital currently tied up in these properties. Most are finding they could do even more, and really secure another level of financial success if they had additional working capital to expand portfolios ahead of the new boom in prices, rents and rates.

Unfortunately, until now, investor loans have been elusive, even for the borrower with great credit and little debt.


Fortunately the investment property lending landscape has changed dramatically since the recovery.

New Buy to Rent Loan Programs for Investors - Call us to find out more - 1-888-375-7977

 

New investor loan programs from Rental Home Financing offer mortgages specifically for buying residential properties to rent out. These loans which are a perfect match for investors in TX, NV, AZ and FL offer options for both refinancing to recapitalize, and making new acquisitions.


These loans are available for real estate investors with 5 or more rental homes, and that desire to restructure existing debt, obtain cash out, or to leverage working capital. Loan amounts are available from $500k to over $35M.

This can enable investors to strengthen and maximize performance of current portfolios, increase local market share, and even branch out into some of these other ripe states, and enjoy more diversification.

Last modified on Thursday, 10 March 2016 20:15

What The 5 & 10 Year SWAP Index Means For Your Investment Property Loan

The 5 year and 10 year SWAP index is commonly associated with CMBS. So how does it affect residential real estate investors and financing portfolios of single family rental homes?

 

Why Should I Care About the 5 & 10 Year SWAP Index?

Residential property investors taking advantage of new blanket mortgages for funding portfolios of rental homes will notice that their interest rates, and total financing costs are directly linked to these indexes.


Information below is automatically updated daily, Monday - Friday.

 

Research analysts like Joe McBride of Trepp, provide ongoing commentary on the CMBS market, which along with historical data can provide some insight into where rates are going, and when the best times to secure new funding or refinance may be.

 

Commercial Mortgage Backed Securities and Your Loan

Commercial Mortgage Backed Securities (CMBS) are used to provide liquidity to finance markets, including the new breed of bulk single family rental property loans that was born in early 2014.

 

In order to more accurately quote interest rates, provide transparency and create more efficiency in lending and borrowing loan terms are more frequently being expressed in relation to the 5 year and 10 year SWAP Index.

 

This can come into play in upfront estimates, underwriting mortgage loans, final interest rates, and negotiating and determining prepayment penalties.

 

As these indexes are constantly floating it is more accurate for rates to be quoted in relation to these indexes. This also eliminates any frustration should indexes shift between initial application and closing the loan. For example; on Thursday, March 10th, 2016 the 10 year swap rate was at 2.5% according to FRED (Federal Reserve Economic Data). A loan with a 2.8% spread, would give the borrower an effective rate of 5.3%.

 

These calculations are used to determine Debt Service Coverage (DSC) in underwriting. Swap rates also come into play for calculating prepayment penalties. Yield Maintenance or Defeasance prepayment penalties help ensure the lender is able to deliver on their promised returns to their investors. Depending on when loans are refinanced or paid off, using the Swap Index formula can be very advantageous, over a fixed penalty.

 

As of the first quarter 2016, both five and ten year Swap rates had been trending downwards significantly signaling what could be an optimal time to take advantage of attractive long term fixed rate loans on investment properties.

Last modified on Monday, 05 June 2017 02:05

Maximize Rental Property Yields

With a little strategy, and a few tweaks rental property investors can quickly elevate their property yields beyond forecasts…

 

Streamline Financing with Blanket Mortgages

Utilizing blanket mortgages has been far underestimated and underleveraged for far too long. Of course until new blanket mortgages were released by Rental Home Financing in 2014 they weren’t as efficient as they are now. These investment property loans enable investors with portfolios of single family homes to not only reduce interest rates and borrowing costs, but simplify paperwork and organization labor burden. Both of these elements can increase yields. Even more significantly investors can leverage these loans to tap pent up equity and expand holdings. This means improving overall portfolio cap rates. Remember, that after significant appreciation, true cap rates decline, unless equity is put to work. What is your return on your total equity, not original cash invested? Can you do better than that?

 

Wow Tenants

Very few landlords ever think of purposefully going out of their way to wow tenants, or make it a core investment philosophy. Some go the opposite way. A few prioritize this, and reap far above average returns. Little efforts, and friendly service can make lunar leaps towards developing tenant loyalty, long term, and high performing tenants, and generating repeat leases and referrals. Try it out and you’ll find the math is far better than dealing with constant renter churn, vandalized properties, and marketing for new tenants.

 

Kill the Cash

Stop collecting cash. Stop accepting cash for rents. There is absolutely no need for it anymore. Any perceived tax benefits of unreported earnings can also come with extremely lengthy jail sentences. More commonly, counterfeit bills, labor expenditure in collections, exposure to theft, and higher bookkeeping costs, including human error, mean cash rents need to be heavily discounted when it comes to rental property performance projections.

Instead consider accepting bank deposits or online payments.

 

Kick Liability to the Curb with Pro Property Management

The value of property management company services are often debated by real estate investors. All too often they only focus on the surface costs. Yet there are many more functions and perks of a professional third party manager. One of the most overlooked is protection from liability. In America landlord tenant lawsuits are only likely to rise over the next decade. A third party buffer can save an investor thousands in legal costs each year, and often be critical is preserving their entire personal wealth.

 

Proactive Maintenance

A stich in time, saves nine.”

 

Have a Tax Strategy

The savviest and most successful investors and financial advisors invest with taxes in mind first. A long term and annual tax strategy incorporating self-directed IRAs, buying and expenditure schedules, and proactive bookkeeping, as well as exchanges and re-insurance can help deliver double digit improvements to rental yields.

 

Reduce Liability and Risk Exposure

Building on the above; reducing risk, and protecting from loss is as important as pushing for gains. Protect capital first, or gains will only be temporary, and it’s a hard slog starting from scratch again. The Black Belt Investors Cash and Wealth Report suggests Land Trusts as one of the tools which can aid in privacy and asset protection.

 

Intuitive Tenant Screening

Managing by the metrics has become the status quo for most Realtors and property management companies today. Many self-managing landlords are now engaging in enforcing hard and fast rules based on data alone too. However, it takes more than looking at a few bare digits to effectively predict a future tenant’s performance.

 

Build in Rental Increases

Some landlords have been afraid to raise rents. Others have ejected tenants in order to circumvent rental caps after years of flat rents. Tenants expect rents to go up annually, and it only makes sense. Build in reasonable annual rental increases and everyone will be best served, including the bottom line.

 

Rental Property Marketing

Real estate success relies a lot on marketing, and rental home performance is no different. Investors may be amazed at what a little PR, verbal branding and the right positioning can do to elevate property value and enable premium rents.

Last modified on Tuesday, 21 March 2017 02:44

Maximize Rental Property Yields

With a little strategy, and a few tweaks rental property investors can quickly elevate their property yields beyond forecasts…

 

Streamline Financing with Blanket Mortgages

Utilizing blanket mortgages has been far underestimated and underleveraged for far too long. Of course until new blanket mortgages were released by Rental Home Financing in 2014 they weren’t as efficient as they are now. These investment property loans enable investors with portfolios of single family homes to not only reduce interest rates and borrowing costs, but simplify paperwork and organization labor burden. Both of these elements can increase yields. Even more significantly investors can leverage these loans to tap pent up equity and expand holdings. This means improving overall portfolio cap rates. Remember, that after significant appreciation, true cap rates decline, unless equity is put to work. What is your return on your total equity, not original cash invested? Can you do better than that?

 

Wow Tenants

Very few landlords ever think of purposefully going out of their way to wow tenants, or make it a core investment philosophy. Some go the opposite way. A few prioritize this, and reap far above average returns. Little efforts, and friendly service can make lunar leaps towards developing tenant loyalty, long term, and high performing tenants, and generating repeat leases and referrals. Try it out and you’ll find the math is far better than dealing with constant renter churn, vandalized properties, and marketing for new tenants.

 

Kill the Cash

Stop collecting cash. Stop accepting cash for rents. There is absolutely no need for it anymore. Any perceived tax benefits of unreported earnings can also come with extremely lengthy jail sentences. More commonly, counterfeit bills, labor expenditure in collections, exposure to theft, and higher bookkeeping costs, including human error, mean cash rents need to be heavily discounted when it comes to rental property performance projections.

Instead consider accepting bank deposits or online payments.

 

Kick Liability to the Curb with Pro Property Management

The value of property management company services are often debated by real estate investors. All too often they only focus on the surface costs. Yet there are many more functions and perks of a professional third party manager. One of the most overlooked is protection from liability. In America landlord tenant lawsuits are only likely to rise over the next decade. A third party buffer can save an investor thousands in legal costs each year, and often be critical is preserving their entire personal wealth.

 

Proactive Maintenance

A stich in time, saves nine.”

 

Have a Tax Strategy

The savviest and most successful investors and financial advisors invest with taxes in mind first. A long term and annual tax strategy incorporating self-directed IRAs, buying and expenditure schedules, and proactive bookkeeping, as well as exchanges and re-insurance can help deliver double digit improvements to rental yields.

 

Reduce Liability and Risk Exposure

Building on the above; reducing risk, and protecting from loss is as important as pushing for gains. Protect capital first, or gains will only be temporary, and it’s a hard slog starting from scratch again. The Black Belt Investors Cash and Wealth Report suggests Land Trusts as one of the tools which can aid in privacy and asset protection.

 

Intuitive Tenant Screening

Managing by the metrics has become the status quo for most Realtors and property management companies today. Many self-managing landlords are now engaging in enforcing hard and fast rules based on data alone too. However, it takes more than looking at a few bare digits to effectively predict a future tenant’s performance.

 

Build in Rental Increases

Some landlords have been afraid to raise rents. Others have ejected tenants in order to circumvent rental caps after years of flat rents. Tenants expect rents to go up annually, and it only makes sense. Build in reasonable annual rental increases and everyone will be best served, including the bottom line.

 

Rental Property Marketing

Real estate success relies a lot on marketing, and rental home performance is no different. Investors may be amazed at what a little PR, verbal branding and the right positioning can do to elevate property value and enable premium rents.

Last modified on Tuesday, 21 March 2017 03:22

opportunity-2014Rental Property Acquisition Opportunities Abound for Q3 2016

Contrary to the impression the media has been painting of an incredibly tight real estate market with little inventory to choose from, a variety of states are putting more homes on the auction block, with billions of dollars in REOs still in the pipeline. We are offering rental investment loans faster than ever.

The U.S. housing market is shaping up, and strengthening, but for those eager to bulk up their portfolios with additional rental properties there are plenty of options, with attractive discounts. Our blanket loan program is full of options for the investor.

Last modified on Monday, 05 June 2017 08:04

Expanded approval for apartment building loans!

Rental Home Financing recently announced the roll out of its newly expanded apartment building loans for income property investors. With access to attractive financing for more multifamily investors, what are some of the best ways to leverage pent up equity to improve portfolio performance?

New Multifamily Loans for Investors

New apartment building loans from Rental Home Financing offer access to captive equity for multifamily investors that haven’t been able to maximize their portfolios until now.

Loan program highlights include:

 

  • LTVs up to 75%
  • Non-recourse loan option
  • Loan amounts from $500k to $20M
  • Low multifamily mortgage rates
  • Up to 30 year amortization
  • Expanded approvals for credit challenged borrowers

 

Four Strategies for Putting Capital to Work for Maximum Portfolio Performance

 

  1. Investing in better property management technology Technology has dramatically changed property management in the last 24 months. Those multifamily property owners armed with the best in property management software, cloud storage and mobile apps are creating far higher spreads and NOI than ever before possible.

  2. Value add improvements
    One of the best advantages of multifamily property investing is the ability to add value in any market cycle, as well as the enhanced ROI on property improvements and upgrades. Those not putting this to work for themselves, and who are not leveraging current retrofitting and green building trends will fund their returns subpar.

  3. Positioning
    Building on from the above, some of the most significant gains in boosting multifamily property performance is in upgrading the positioning and branding of investment properties. This can be applied through hard on-site upgrades as well as through PR and media. Perceived value can mean real increases to occupancy rates, rental rates, and NOI.

  4. Expanding portfolios
    Many investors and firms are simply fooling themselves when calculating cap rates and ROI today. Rapidly growing asset prices, complimented with compressed mortgage interest rates, and new opportunities means that those with higher rate loans and even ‘free and clear’ holdings are likely experiencing far inferior true cap rates and returns than they are aware of. The ability to reduce rates and borrowing costs, and release captive equity with new apartment building loans is enabling investors to expand portfolios while the market is ripe and dramatically improve overall returns.
Last modified on Monday, 05 June 2017 07:46

Where are the single and multi-family rental property deals for income seeking investors?

Financing for real estate deals is plentiful, and the market continues to march upwards. Yet, the strengths of the market are also making it appear to be harder to find deal flow and appetizing acquisitions.

So is inventory really as tight as some media outlets make out? How much opportunity is out there? Where are the deals if there are any?

investment property

Quarter of a Trillion in Distressed US Real Estate Up for Grabs

Many of the most intense recent bidding wars for income property haven’t even been over distressed deals. The demand for yield is so high, and capital so plentiful that hundreds of qualified bidders have been vying for deals selling for close to $100M.

Some hot markets like Denver, Colorado are reporting inventory levels of less than 2 months’ as of September 2015. However, whether some choose to shrug off the data or not, the fact is that there are billions of dollars in off market deals all over the US.

A September 10th, 2015 newsletter from DistressedPro.com declares that there are still over a quarter million dollars of nonperforming notes and REOs on the books of US banks, credit unions, and asset managers.

As we rolled into the second half of 2015 data compiler RealtyTrac reported 1 in every 74 housing units in FL was still in some phase of the default and foreclosure process. The latest data suggests there are still close to 18M vacant homes in the US, many of which are foreclosures. Regions like SW FL, Detroit, and Las Vegas, are still dealing with entire swathes of ghost town like neighborhoods. As of Sept. 2015 several New York cities and town still reported dealing with 2,000 plus zombie foreclosures (each), which they intend to demolish.

This is all in addition to a surge in new single and multi-family apartment building construction which is slowly trying to build up and catch up with demand.

The Big Question: How to Find and Takedown these Deals

  1. Automate marketing to direct sellers and homeowners
  2. Use software like BankProspector to get in the back door and access inventory and decision makers at banks and credit unions
  3. Leverage other investors for wholesale property deals in your area
  4. Develop municipal government contacts and provide a solution for dealing with property blight and zombie foreclosures
  5. Get smaller. Use new blanket mortgage loans and apartment building loans to snipe smaller multifamily deals which aren’t on the radar of big institutional funds
Last modified on Friday, 24 March 2017 07:11

swap-index-investment-app

swap-app-icon

 

Swap Index 5 and 10 Year - Investment Loan App

NOW on GOOGLE-PLAY 

We are proud to announce the arrival of our new mobile APP, "Swap Index 5 and 10 Year" Investment loan app, it's the hard money lender's secret weapon; now available for the Android, IPhone, Blackberry, and Windows. Look for it soon in ITunes (ITunes has a long wait).

Our "5 & 10 Year SWAP Index"Investment Loan App is intuitively designed to help hard money lenders and investment loan professionals more accurately quote interest rates, provide transparency and create more efficiency in lending and borrowing loan terms. With updated daily rates and charts, our app helps you monitor swap rates, contact your client, calculate payment, print amortization tables, and then apply for an investment loan when you are ready. 

To Install, Click Your Version Below

IPHONE, BB, HTML5   -   QR CODE:  
Shoot for Easy Install !   

html5-swap-index-appHTML5-swap-index-app  Android-Native-swap-index

 

 

 

 

 

 

 

 

ANDROID NATIVE  QR CODE:  
Shoot for Easy  Install !

Android-QR

main-page-app

Bonus features include Client Meeting Mapping tool, loan call button, learn more about the 5 & 10 year SWAP Index, and we even included our broker information feature for those wanting to become brokers.

 

What are SWAP RATES?

In order to more accurately quote interest rates, provide transparency and create more efficiency in lending and borrowing loan terms are more frequently being expressed in relation to the 5 year and 10 year SWAP Index.

 

This can come into play in upfront estimates, underwriting mortgage loans, final interest rates, and negotiating and determining prepayment penalties.

 

As these indexes are constantly floating it is more accurate for rates to be quoted in relation to these indexes. This also eliminates any frustration should indexes shift between initial application and closing the loan. For example; on Friday, August 15th, 2014 the 10 year swap rate was at 2.5% according to FRED (Federal Reserve Economic Data). A loan with a 2.8% spread, would give the borrower an effective rate of 5.3%.

 

 

 

preview-swap-index-5yrpreview-swap-index-10yrpreview-swap-index-calc-invpreview-swap-index-calc1preview-swap-index-mappreview-swap-index-map3

 

More than just a leading U.S. Blanket Mortgage Lender, Rental Home Financing is your partner for long term wealth building and cash flow generation. We’re invested in your long term success.
 

Contact us today and experience a refreshing new approach to financing investments…

INDICATIVE TRANSACTIONS
This year alone we have closed over 75 million dollars in transactions!

Highlights:
• Loan Sizes $500K to $ 30 Million+
• Non US citizenship Ok
• 75% LTV - LTC max
• Unlimited cash out
• Blanket Loan Lender
• 5 & 10 year fixed rates
• 30 year amortization
• 5% - 7% fixed rates

Property Types Available:
• Multi-Family (5+ Units)
• Single Family Housing – 5 Property Minimum
• Group of SFR’s, Condos, Townhomes, Apartments
• Mixed-Use

Rescue your equity that is trapped within your existing portfolio of rental homes by refinancing the existing debt using our competitive fixed rate mortgages with long term 30 year amortizations. We do not have seasoning requirements for cash out with many of our mortgage products.

 

APPLY NOW - or Call me to discuss your opportunity!


Also check out our
FAQ page to learn more.

1-888-375-7977 - Direct

 

 

Last modified on Monday, 24 November 2014 08:48