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Blog (213)
The Rental Property Financing Guide for Experienced Investors
Experienced investors have unique rental property financing needs. One thing that seasoned real-estate investors look for in a financier is flexibility. Here we have some excellent tips aimed at experienced investors.
Why Experienced Investors Love Rental Properties
Seasoned investors love rental property because of the many advantages they afford. For one thing, you can finance up to 90% of the purchase price. One thing that slows down other forms of investment is when you can’t finance as much and have to come up with more of the money upfront.
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Real Estate Investors
What Is a Portfolio Mortgage?
Portfolio mortgages are loans that are kept on the books instead of being sold. The significance of this to borrowers is that by not being sold on the secondary market, originating lenders can draft more flexible criteria for qualification. By relaxing qualification requirements, you can get access to money that would be denied to you elsewhere.
The Rundown on Portfolio Mortgages
Portfolio mortgages are held in the lender’s investment portfolio and are not sold on the secondary market. As such, they are not subject to the much more stringent terms that you’ll encounter with conventional lenders like banks. By not being held to the same standards, lenders that work with portfolio mortgages can make it easy for you to qualify.
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What to Look for in a Property Before You Apply for an Airbnb Loan
There’s a lot of talk about how lucrative Airbnb rentals are these days. Before taking the plunge into an Airbnb loan, you’ll need to know what to look for in a property to get the most out of the investment. Many of the Airbnb investments that flop do so because investors miss concerns with the property that are potential red flags.
The Potential for Profit in Airbnb Properties
There are incredible opportunities in Airbnb rental properties. The Airbnb market is projected to bring in profits in excess of $3 billion by the year 2020. The jaw-dropping figure speaks volumes on how lucrative Airbnb can be. More importantly, a share of those profits can be yours when you choose the right properties to rent as an Airbnb.
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AirBnB
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What to Look for in Investment Property Lenders to Grow Your Portfolio
A lot of people say there’s money to be made in real estate, and those people are right on the money because there’s plenty of it in investment rental properties. With so much money to be made it’s tempting to jump right on into this exciting market, but it’s a good idea to slow down and make sure you know what to look for when evaluating investment property lenders first.
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Real Estate Investors
Buying a Vacation Rental Property
Buying a vacation rental property can be one of the most profitable decisions in your life. The most challenging hurdle that you’ll face is raising the financing. Fortunately, there are plenty of options available to savvy investors looking to profit from vacation rentals.
The Vacation Rental Market
Vacation rentals have been gaining traction as one of the most profitable forms of real-estate investment. Income property investors with the gumption and the know-how can make enormous sums of money on vacation rentals.
When you buy a vacation rental property, you’re making an investment that yields income as well as substantial tax benefits.
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AirBnB
4 Reasons Experienced Rental Property Investors Love Stated Income Loans
Investing in rental properties can be extremely lucrative, especially when it’s well financed. While securing funding is one of the major challenges in buying rental properties, savvy income property investors have found a great way around these challenges with stated income loans.
One of the savviest applications is to finance multifamily housing investments with stated income apartment loans.
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Real Estate Investors
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Experienced Investors Use Rental Property Loans
Seasoned real-estate investors are well-versed in rental property loans. You can use the same insights to profit on income property investments. As you will discover, the success and profitability of a rental property venture is largely dependent on how it’s financed.
Varieties of Rental Property Investment
There is an impressive variety of rental property investments that allows you to explore several different markets. By investing in different sectors of the rental property market, you can build a robust and diversified portfolio. A diversified portfolio performs better when individual areas of the market are stressed and bringing in lower returns.
Here are a few major forms of rental property investment:
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Real Estate Investors
Vacation Rental Property Loans - Top Markets
Do you specialize in renting out vacation homes? Yes, we have short term vacation rental financing!
Or, have you simply decided that it’s time to diversify your real-estate portfolio by adding some vacation properties to it?
Either way, you’ve chosen a great year. 2022 has seen some fantastic opportunities spring up for those who want to profit by purchasing vacation properties. So, before you use your vacation rental property loans on traditional hotspots like Las Vegas or Miami, take a moment to consider some up-and-coming options.
The Top 5 Places to Use Vacation Rental Property Loans
While you always want to do your research about a particular city to find the best possible opportunity for your new investment, the five cities on this list should prove to make that an extremely easy process.
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AirBnB
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LLC Mortgage for Buying an Apartment Building
Owning an apartment building is one of the smartest investments you can make. Among other things, it offers the numerous benefits of owning a rental property without the same exposure to vacancies. As long as you keep a certain number of apartments occupied, you’ll always enjoy a healthy cash flow.
Nonetheless, to enjoy the full potential of purchasing your own apartment building, it matters just as much how you finance your purchase.
For many experienced investors, the right decision is an LLC mortgage.
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Apartment Lending
Triplex - 3 Unit Mortgages for Investors - Stated Income Financing with No Tax Returns
If you’re in the market for portfolio mortgage financing, it goes without saying that you’re an investor who is serious about growing their holdings in the near future.
Still, it’s important that you consider all of your potential options. After all, your portfolio is only as good as the properties that make it up.
That’s why you should seriously consider the advantages of making your next purchase a triplex.
What Is a Triplex?
A triplex is exactly like a duplex, except it involves one additional unit. So, a triplex is one property, made up of three separate units that all share at least two common walls between them. Sometimes, they might share a garage or some other space instead. Each unit is completely self-sufficient, though, meaning it has its own living space, bathroom, kitchen, and door to the outside.
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Real Estate Investors
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Duplex - 2 Unit Financing for Investors -
Stated Income Loans with No Tax Returns
Are you looking to expand your portfolio of real-estate holdings?
If so, you should work with a lender that specializes in portfolio mortgage financing.
Just as important, you should think long and hard about what kind of property you should add to your holdings.
For a number of reasons, it’s hard to think of a better option for most investors than a two-unit property.
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Mortgages for LLC Rental Property
Building a high-performing portfolio of rental properties requires hard work, dedication, and patience.
It also requires a certain amount of expertise. You need to understand not just what to look for in a potential investment property but how to then keep that investment safe, so your returns aren’t easily compromised.
One way that expert investors do this is by building their portfolios with a mortgage for an LLC rental property.
5 Reasons You Should Invest in an LLC Rental Property
Before you add any further to your current portfolio, it’s worth considering the five ways a mortgage for an LLC rental property could better serve your investments.
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Real Estate Investors
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Secure an Apartment Building Loan
Without a doubt, one of the best investments you can make is purchasing an apartment building.
You’ll immediately enjoy an impressive amount of cash flow and a fantastic hedge against rising inflation or economic downturns. Owning an apartment building also gives you an incredible amount of leverage for continuing to grow your portfolio in the future.
Of course, before you can enjoy all of those benefits – and many others – you need to secure apartment building financing. If you don’t understand how to do so, you might still be able to purchase an apartment building, but the outcome will be far from ideal and may even hurt your expected returns.
The good news is that even if making an investment of that size is a big step, apartment building financing actually doesn’t need to be. You just have to know the five steps that are proven to secure the capital you need ASAP.
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Apartment Lending
Airbnb Mortgages to Purchase Rental Property.
By now, just about everyone has heard of Airbnb. More than 10 years ago, the now-household name, debuted and forever changed how people travel.
It’s done a lot more than that, though. As it turns out, Airbnb has also given people completely new income streams.
Where many homeowners would once list their houses a couple of times year when they happened to be leaving town, nowadays, many people are purchasing second properties specifically to list them on Airbnb.
To do this, they need an Airbnb mortgage and an understanding of what to look for in the ideal property.
What Is an Airbnb Mortgage?
An “Airbnb mortgage” is just a term that commonly refers to short term vacation rental loans, the kinds of loans investors use when they want to purchase a home specifically to rent out on Airbnb. The company doesn’t actually offer any kind of financing. Instead, the term originated from just how common this practice has become. With the incredible growth of Airbnb, many investors realized that it provided an excellent avenue for new income streams. While the platform may have initially found popularity by simply giving homeowners a way to make a little extra money every now and then, many have realized the potential of buying a home specifically to rent it out on the popular site.
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AirBnB
How to Get Fast Triplex Financing with No Tax Returns
Would 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.
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Real Estate Investors
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More...
Building and overseeing a successful portfolio of rental properties requires more than just sitting back and collecting your tenants’ monthly checks. In order to grow your rental portfolio, you need to plan for cash flow, reserves, and how to plan for you next acquisition.
As you understand these factors, and become an expert in your local market, you will certainly understand working with a creditable, Private Money Lender, as Rental Home Financing is an invaluable partnership in order to help yo u expand your rental business.
If you are able to demonstrate income on a federal income reporting level, meaning willing to show personal tax returns to traditional bank lender, you might be able to locate a better local solution for you however, not every savvy investor is able to as you get closer to financing 10 or more rental properties, you will find yourself as hitting a limit to the maximum number of properties allowed by traditional lending banks and government sponsors.
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Real Estate Investors
Even though it’s been years since the Great Recession finally faded, for many real estate investors, the idea of it returning is still concerning.
If it does, a portfolio that’s currently providing a stable source of income could quickly turn into a financial burden.
While every form of investing requires a certain amount of risk tolerance, it’s still wise to mitigate the potential damage a recession could cause by investing in markets that are least prone to this kind of economic downturn.
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Real Estate Investors
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Successfully investing in rental properties requires more than just knowing which ones to pick.
One of the most important aspects for long-term success is simply knowing how to find the financing you need to make your acquisitions. Rental Home Financing wants to be your lending partner!
If you’re focused on acquiring single-family homes, your best option is almost always going to be nontraditional lenders offering portfolio mortgage financing.
What Is Portfolio Mortgage Financing?
A portfolio mortgage lender, like Rental Home Financing, uses its own cash and often credit facilities to leverage money for the purpose of originating, underwriting, and closing several types of products related to the purchasing of residential properties.
Refinancing remains one of the most important ways rental-property owners can quickly increase the size of their portfolios.
This is especially true with multifamily refinancing.
Whether you currently own one or you are planning to purchase a multifamily unit soon, it’s important you understand how much this practice can help you build your holdings.
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Real Estate Investors
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Rental Home Financing
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Suite #200,
Indianapolis, IN 46240
About Rental Home Financing:
Rental Home Financing, as the best mortgage lenders we originate rental home loan products and cash out refinance investment property loans as the best investment property refinance lenders. Commercial blanket loans are available with a commercial purpose to suit your needs.
Also, as DSCR loan specialists, we are currently authorized to make such loans in most all areas of the United States. Specific circumstances will determine whether we have the ability approve/close portfolio rental home loans in your state(s). When you are ready to get a mortgage for rental property, we are ready to serve you.