How To Buy An Investment Property With A Low Down Payment

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Many individuals are considering purchasing a second home in addition to their primary residence. The increase in remote work makes buying a second home or an investment property possible for many homebuyers. Whether you want another property to spend time working by the mountains, to use as an investment property, or to enjoy as a […]Read More

What To Know About Buying an Investment Property

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Interested in investing in real estate? Considering owning a rental property? Investment and rental properties can provide a reliable source of revenue, but there’s a lot to consider when making these decisions. Plus, the process of purchasing different types of investment properties can vary from purchasing a primary residence. What Is an Investment Property? An […]Read More

Investors Dumping Inventory vs. Mortgage Rate Lockdowns!

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BIG PROBLEMS AHEAD FOR REAL ESTATE INVESTORS! That was the title of this tweet from Nick Gerli, a real estate guru on YouTube. He said: “The 6-month US Treasury now yields…the same as Buying & Renting Out a House in America…Translation: Big Real Estate Investor selloff coming. Especially among Wall Street owners.” And, in response […]Read More

A Second Home Vs. An Investment Property

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Looking to purchase a second home? Or maybe your goal is to buy an investment property. It’s important to know the difference between an investment property and a second home. Especially because obtaining mortgage financing for each of the two is a very different process where the costs can vary dramatically.  Differences Between Second Homes And […]Read More

Low Rates Make Real Estate Investing And Airbnb More Viable

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My wife Heejin is looking at an investment property in Plano, Texas that will sell for about $510,000. It also has a tenant in it who is paying $3,700 per month. With 25% down, the PITI is around $2,600 – assuming a no-points loan in the 3.25% range. Note that investors can put 20% down […]Read More

Should You Pay Off A Mortgage Or Invest?

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The choice between investing or paying off your mortgage can be difficult. Wanting to reach your financial goals but not knowing which is better is a common challenge. Buying a home can be exciting and stressful, especially if you’re planning to use a mortgage to purchase a home. Because of this, many people want to […]Read More

Should You Consider A Real Estate Investment In Texas?

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Many people should consider a real estate investment in Texas. Real estate is considered a hard asset, and as a result, it makes an excellent inflation hedge. In healthy housing markets, real estate tends to appreciate in value. In markets like the Austin area, real estate value can often skyrocket in appraised value. Texas is […]Read More

Should You Consider A Real Estate Investment In California?

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Many people should consider a real estate investment in California. Real estate is considered a hard asset, and as a result, it makes an excellent inflation hedge. In healthy housing markets, real estate tends to appreciate in value. In markets like the Bay Area, real estate value can often skyrocket in appraised value. PURCHASING A […]Read More

Much Better Alternative to “Hard Money” – “Investor Advantage”

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We often get borrowers who lack sufficient verifiable income to qualify for competitive mortgages. If those borrowers had large down payments (25% to 30%), we used to refer them to our Hard Money or more euphemistically our “Private Money” sources, as they require nothing but collateral and a large down payment. But, we now fund […]Read More

Types of Investment Property Financing

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From about 2009 – 2012, investment property financing was a much larger portion of our overall production. As the market heated up, however, many investors dropped out of the market. Lately though we have been getting the occasional inquiry, so I thought it was time to discuss the options again. Fannie and Freddie will finance […]Read More

Down Payment Options for Investment Properties

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We often get questions about investment purchases, so we wanted to revisit a few unique things that everyone should know about purchasing investment properties. 1.) Lenders require a 20% down payment for loan amounts up to $625,500. Many people come to us under the impression that the minimum down payment is 25%, but Freddie Mac […]Read More

Debt Ratios Too High? Buy House As Investment; Not As Occupant

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We have borrowers with substantial down payment funds and limited income who cannot qualify for the home they would like to purchase b/c their debt ratios are too high. A solution for these borrowers is to buy the house as an investment property (instead of an owner-occupied property). Buyers can put a renter in the […]Read More