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Displaying items by tag: investors

Triplex Financing RHFWould you like to grow the size of your rental-property portfolio?

How about growing it by three units with just one mortgage?

If so, one of the easiest ways to do that would be by simply purchasing a triplex.

Before you do, though, you’ll need to secure the triplex financing necessary for that purchase.

What Is a Triplex?

A triplex is essentially the same concept as the more-common duplex, except that there is a third unit. Just like with duplexes, each of these units are independent of one another other than shared walls. Each unit has its own door to the outside, kitchen, bathroom(s), etc.

Published in Real Estate Investors

 

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.

Free and Clear Rentals Need to RefinanceFree & Clear Rentals Need to Refinance

Rental home investors with mortgage free income properties are flocking to take advantage of a new loan program which enables them to access pent up equity.

So why are sophisticated buy and hold real estate investors rushing to refinance under this new mortgage program, and why do all those with free and clear properties need to act now?

New DSCR mortgage loans from Rental Home Financing offer landlords with income properties to refinance and cash out, at incredibly low interest rates. Many investors have acquired rental homes for cash recently, and while it can feel cozy to some to be mortgage free, there are some very vital reasons for acting on this opportunity now.


This includes…

Investment Mortgage Interest Rates

Investment Rates

There is really only one way for interest rates to go. That’s up. For long term buy and hold investors it doesn’t matter if that takes 2 months, or 2 years. Just a couple point hike (and it will go much higher than that), will make hundreds of thousands of dollars difference in borrowing costs over the time holding even a small portfolio, or single property. That means those that may need to refinance within the next decade or two will be far better off doing it now.

 

Liquidity for Investors

Bar chart liquidity

Liquidity is critical to investors. It provides a cushion for unexpected damage and replacement needs, as well as personal needs such as major health expenses. When crises happen it is normally difficult, if not impossible to refinance. That means at least lining up an active credit line now can be invaluable.

 

Maximizing Investment Returns

return on investment

Being able to recoup capital means being able to take advantage of current opportunities, and lock in great ongoing passive income and wealth building. Those who delay will suffer reduced returns due to a variety of market factors. Check out our DSCR loan program with NO job or income verification messing with your W2.

 

Diversity of Capital to Protect Investors

diversity

Access to more expansion capital now also means the benefits of greater diversity in a portfolio. This helps to keep income consistent, and protects investors from everything from local job market shifts to natural disasters.

 

Reduced Risk for Rental Property Investors

risk

All of the above combine to reduce risk for rental property investors that sensibly leverage their properties now. Additionally, it can work to preserve credit by keeping lines clear and ensure working capital in a pinch.

 

 

Smart and modest leverage is a great tool. Those that hide behind the mirage of comfort that a mortgage free property are unfortunately deluding themselves. There is really no such thing as ‘free and clear’. There will always be property taxes, insurance or repairs. So why deny yourself of the best benefits of leverage?

 

Rental Home Financing Investment Loans

growth hacking

The Number One Growth Hacking Solution For Real Estate Investors

What’s the best strategy or tool for enabling real estate investors and entrepreneurs to ‘hack’ their way to the next level?

Is it social media, finding the cheapest foreclosure properties on the planet, having the contacts to manipulate auctions, or simply access to vast amounts of capital and better real estate loans?

 Growth Hacking

“Growth hacking” continues to be a popular buzzword. Real estate and mortgage debt continue to be recognized as the best vehicle for advancing wealth and achieving both short and long term financial goals. So what is growth hacking in real estate, and what’s the best way to achieve it?

How can real estate investors find more profit in each rental property by using blanket mortgage financing?

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.

find more real estate profit.jpg

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 increase 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:

  • Acting as a cash buyer, or at least being a superior buyer, armed with working capital from a heavyweight and reliable mortgage lender
  • 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 flow and operating 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?