2016 Acquisition Opportunities

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.

Hundreds of Homes Coming to the Auction Block

Detroit recently announced hundreds of homes being lined up for auction from as little as $1,000 each.

One of the newest comers to the mix is New York. The State is finally closing on its first rounds of acquisitions of Sandy area properties, hundreds of which are planned to be auctioned to investors for remodeling and re-building.

Even sizzling hot San Diego County, California which has reported one of the strongest property markets, and which he media has pointed to as one of the tightest for housing inventory could be lined up to offer thousands of homes. RealtyTrac reports the county still offers sizable foreclosure savings in excess of 22%, with the discount widening in favor of investors by double digits in 2016. UT San Diego reports more than 37,000 homeowners owe over $88M in back property taxes which could put them on the foreclosure train, if they aren’t already headed to the auction block.

Underwater Homes, Late Payers & REOs

Despite the huge run up in Southern California home prices over the last couple of years, and rumors of bidding wars, UT San Diego reporters say local home prices are still 50% below their peak.

Trillions have been added to U.S. household wealth from rising home equity since 2008, yet there are still just under 10M American homes underwater on their mortgages. Many still may walk away from these homes, or be squeezed into foreclosure as banks become less lenient on late payers. Apply now to see if you qualify to snack some of these properties up.

The Distressed Pro blog which compiles mortgage data from banks showed around $6B to $7B in residential REOs still on the books of U.S. banks at the end of the first quarter 2016. This represents just around 30% of all REOs, and doesn’t count non-performing loans piled up behind them.

Even though foreclosure continue to spike in some regions RealtyTrac does show foreclosure activity down slightly year over year. According to the data compiler the top 5 states for foreclosures in December 2015 were Florida, Maryland, Nevada, Illinois and Ohio. 1 in every 436 Florida housing units received a new foreclosure notice in May. In many central Florida counties pre-foreclosure rates still appear to be at peak levels with around 1 in every 299 units receiving a foreclosure notice last month.

Market Wide Open for Savvy Investors with Access to Capital

According tothe National Association of Realtors 2015 Home Buyer Profile report regular home buyers are showing less interest in trying to chase down distressed foreclosures. This could be a combination of believing there aren’t many available, as well as having experienced very deeply distressed units or hassles with short sales. Big equity funds are out of the competition too, and instead are now funneling their funds down to investors to help rather than competing with them. Compare our rates to get in on the game.

This leaves billions of dollars in discounted properties up for grabs for income investors with access to capital. Thanks to new Buy to Rent mortgage programs from RentalHomeFinancing.com that cash is available for bulk buying and locking in both passive wealth building and long term passive income generation.

Apply now or call us today at 888-375-7977.

Read 14725 times Last modified on Monday, 05 June 2017 08:04

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    Tracking Down the Best Cities to Buy Rental PropertyBuying rental property can be an extremely lucrative investment. The key to making the most out it is to know where to buy. You’ll need the rundown on the best cities to buy rental property featuring high-growth areas with strong demand for rental housing to turn a profit.

    The Twelve Best Cities to Invest in Rental Properties

    While you know how important finding the right location is, finding it can be a challenge. Even more challenging is finding a variety of locations that can effectively diversify your portfolio.

    Important things to look for when choosing cities to invest in are the growth rates for both jobs and rent prices.

    With funding from direct money lenders, you can finance the purchase of rental properties in some of the hottest markets in the country. Here’s a look at some of the best cities to invest in.


    Oakland, California

    Rent priced in Oakland California has been benefitting from increases in demand driven by folks from San Francisco seeking more affordable housing.

    Las Vegas, Nevada

    Las Vegas has a tale of two markets, one for homeowners and another for rental properties. The plight of the housing market for single-family homes in Las Vegas is well-known. Meanwhile, the demand for rental housing is surging.

    The growth has been driven in part by developments in the gaming industry which is bringing in more people looking for rental housing in the area.

    Seattle, Washington

    Seattle has a strong need for rental housing which is partly because of single-family residents by the untenable price of property. These high prices have been discouraging aspiring homeowners and causing them to rent instead of own.

    Atlanta, Georgia

    Rentals are up 3.5%, and job rates up 1.8%, that are above average. Prices for rental properties are becoming more manageable.

    Orlando, Florida

    Orlando is a high demand market for rentals, with single-family residents and lots of tourists. Their employment is up 3.2%, and rent is up 3.5%.

    Chicago, Illinois

    Solid rent growth, that is up 1.9%, and with people wanting to stay because of the job growth is up 1.6%.

    Detroit, Michigan

    A boosted economy and recovered manufacturing, led by the auto industry, keeps Detroit thriving with rentals. Their growth in employment is up 2.1%, while their rent is up 2.7%.

    Dallas, Texas

    Stable jobs and first-time homebuyers are getting talked out of owning their home, keep rental properties thriving in Dallas. Their employment growth is 2.9%, and rent growth is up 3.5%.

    Memphis, Tennessee

    With a 1.3% employment growth rate, and 1.8% rent growth rate, Memphis is still a good investment. Higher yields and lower entry rates make it one of the best cities to start up a rental property.

    Miami, Florida

    Between the warm weather, affordable housing, and being a beach city, has made it one of the highest profitable cities to have rental properties. People are always looking to rent out for vacations, or full-time for jobs.

    The best neighborhoods to invest in are, Brickell, Biscayne Island, Douglas Park, and Flagami.

    San Diego, California

    San Diego is the second-highest profited city from rental properties. They also have warm weather, affordable housing, and are a beach city. Being one of the largest cities in the US, they are more likely to have full-time renters, staying for their jobs. Tourists make up the last bit of profit that apartment renters don't.

    Technology advances growing in San Diego has caused job growth and an expanding economy. Investors are expecting property values to increase along with the rent being up 3.5%, and job growth 2.5%.

    Financing Rental Properties in Hot Markets Across the Country

    All of the preceding cities offer tremendous opportunities for real estate investors looking to cash in on rental properties across the country. For the most ambitious of you, a blanket mortgage to consolidate the financing on multiple rental properties under one loan.

    There are many strategic advantages to these loans, including low payments that are predictable and easy to manage compared to having many separate loans on each property.

    Many of you might not wish to settle for investing in one city alone. Each city has something to offer and blanket mortgages can make it easy for you to take advantage of opportunities in all of these cities.

    When working with a direct money lender, be sure to ask about stated income loans as well. With a state income loan, you won’t have to furnish your tax returns to qualify for financing. Many property investors appreciate the flexibility of stated income loans and find them much more favorable than anything offered by a bank.

    One thing that doesn’t change in between cities is the general inflexibility of banks and credit unions when compared to more limber financiers like direct money lenders who aren’t held to the same regulations.

    Snatch Up Profitable Income Properties in Choice Cities with Rental Home Financing

    Income-property investors who work with Rental Home Financing to raise capital to enjoy favorable terms and easy access to funding. You can get great deals on loans and raise the capital you need to get in on these hot markets across the country. With so much opportunity out there, you should already be on the phone, call today and start growing your real-estate empire, with Rental Home Financing.

    Reach out to Rental Home Financing for a golden opportunity to acquire rental property that can put money in your pocket!

  • What to Know About a Cash-Out Refinance Rental Property

    How to Do a Cash-Out Refinance on Your Rental Property

    What to Know About a Cash Out Refinance Rental PropertyBanks are not easy to work with when it comes to financing rental properties. To do a cash-out refinance on a rental property, you’ll need to work with a direct money lender. These lenders are not subject to the same stingy standards as banks.

    Why do Investors Choose to Cash-Out Refinance?

    Seasoned investors take advantage of refinancing their rental properties for a number of reasons. They may be able to qualify for a better loan than their original loan, a change in interest rates, the value of the property may increase, or may need to make some improvements.


    In addition to saving money with lower payments, a cash-out refinance will give you some extra cash to make new investments. A cash-out refinance generates a larger loan than what you would have had with your previous balance. The extra money in that loan can be used to finance the acquisition of additional rental properties.

    Here’s where it gets interesting. In benefitting from the lower payments and more capital to invest, you’re in a prime position to buy another rental property. With the money free to put down on more property, you can get your bearings while still enjoying the lower payment from the refinance. Usually, that buys enough time to start turning a profit on the new property.

    How Much Can an Investor Take Out?

    Investors need to know how much money they can take out. The amount of equity you have in a property is crucial. The stipulation is 75% or lower loan to value ratio to meet most banks guidelines. Banks will typically use an appraisal to generate the value of the property. On occasion, you can find lenders that will go as high as 80%. If the rental property is a 2-to-4 unit parcel, the percentage is 70. If adjustable mortgage rates apply, the maximum is reduced by 10%. Some investors are privy to an owner-occupied loan and can refinance up to 95% or more. With this type of loan, the home must be occupied for a year after refinancing.

    The top LTV is 70% if the property was listed for sale in the last six months. If you have purchased the property within the last six months, you cannot qualify for a cash-out loan unless it meets the exception for the Delayed Financing guidelines.

    Qualifying for Cash Out Refinance on Rental Property Thru a Direct Money Lender

    By applying thru a direct money lender, you can skirt a lot of the pesky requirements typical of banks. With a direct money lender, as long as you have a credit score of at least 600, you can qualify. Another key advantage is that the property doesn’t have to satisfy bank metrics like Debt-To-Income (DTI).

    You can qualify for cash-out financing as an LLC, individual, family trust, corporation, or LLP. Out of these forms, it is highly recommended to finance rental properties as an LLC. As an LLC, you can safeguard your personal assets and will not be held liable if sued by tenants or neighboring property owners.

    Advantages of a Cash-Out Refinance on Rental Property

    With a cash-out refinance on a rental property, you can save money by consolidating and expanding at the same time. By taking that extra cash that’s liberated by cash-out refinancing, you can expand your real-estate empire with comfortable payments.

    Taking out more capital from the refinance is less expensive in the long run than applying for a separate loan altogether.

    Are There Any Risks Involved?

    To put it into perspective, maximizing returns requires some risk. It all depends on your goal. If you are more interested in paying off the loan on that property, you may opt-out of a cash-out refinance. Do not forget to consider fluctuation in property values. If your home value happens to decrease, reducing the equity in that parcel, you would need to put the cash-out refinancing on the back burner for a duration. If you are incurring a slower rental turnover, and difficulty making payments, it is a better decision to refrain from refinancing if it means an increase in your payment.

    Can a Refinance Affect Qualifying for Future Loans?

    If you are pursuing acquisitions for multiple properties, keep in mind the possible effect refinancing may have on qualifying for those properties in the future. Find out how much is safe to refinance, so it does not compromise future loans for more properties. If you max out your debt, lenders will not be able to loan you the money to acquire another rental property.

    Costs Involved With a Cash-Out Refinance

    Investors need to recognize the potential costs involved with refinancing. You are acquiring another loan, so you will be incurring similar costs as you did when originally taking out the loan. Plan on processing fees, origination fee, appraisal and more.

    Cash-Out Refinance Rental Property with Rental Home Financing

    A cash-out refinance won’t just save you money on your monthly payment. It will free up fresh capital for you to invest in another rental property. By going through Rental Home Financing for your cash-out refinance for rental property, you’ll be saving money while collecting additional income from your subsequent investment. Savvy investors always refinance when presented with an opportunity to save.

    Call up Rental Home Financing today and see what a cash-out refinance can do for your pocketbook!


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    Some media outlets and green property investors have recently griped about increased competition in the market, while others see increased, and even more opportunities opening up. Matters not if its a blanket loan, first single rental home, or commercial property, we got you covered. Whether coming up short on inventory or flush with more deals than you can handle no one wants to leave extra money on the table.

    Those that know how to find more room in every property are able to find opportunity where others can’t, and position themselves for maximum per deal, annual and overall returns.

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    Investing in real estate with smart tax strategies and knowing how to negotiate out liens and other fees others don’t know how to, have a significant advantage in the market today. However, even simple tweaks such as using superior investment property loan programs and lenders can make a substantial difference in profit margins and net returns.

    To find more spread in each deal investors need to reduce acquisition costs, and, or increasing operating cash flow. Blanket mortgage financing can enable rental property investors to do both.

    There are at least four ways blanket mortgage financing can aid rental home investors in reducing acquisition costs, including:

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    • Buying rental properties in bulk, from other investors, at auctions, from government
    • Ability to close fast, providing negotiation power to demand deeper discounts
    • Reduced borrowing and closing costs from using one loan and one set of closing staff

    Ongoing cash low and operational profit margins are enhanced by:

    • Reduced paperwork, bookkeeping burdens and staffing or accounting costs
    • Eliminating risk associated with confusion when dealing with dozens of lenders, which can otherwise subject investors to practices such as forced placed insurance fraud, title complications and more
    • Enhanced credit ratings enable real estate investors to continue to obtain better investment mortgage rates and terms in the future. This comes as a benefit of only having one blanket mortgage, keeping other credit sources free, and reducing debt use burden perceived by credit rating bureaus
    • Streamlined access to more capital for rental property portfolio expansion
    • Ultimately blanket mortgage financing can both help investors reduce risk, and increase rental property returns. Why even think of using any other type of leverage?