Tag Archive for: investment property

Why Kids Not Drinking Is A Huge Threat To The Economy! Who Cares If The Fed Cuts? Investment Property Financing Is Insane!

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Per capita alcohol consumption amongst 18 to 34-year-olds has fallen by as much as 25% over the last 10 years. And even sadder, binge drinking has dropped off by as much as 40%! Let’s discuss why this is serious.Read More

Condos: Balcony Issues; FHA Spot Approvals; Owner Occ Ratios; One Owner Has > 10% Of Units

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I met a wealthy developer who bought an entire 600-unit condo project after the 2008 meltdown for about $21 million ($35,000 per unit).Read More

Expanded DSCR Loans: Almost ANY Investor With 20% Down Can Buy Investment Properties

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Investors can qualify based solely on market rents, and properties do NOT need to cash flow, meaning that the monthly rent can be less than the housing payment.Read More

Property Value = Lesser of Purchase Price or Appraisal; Gift of Equity

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This is a reminder that lenders must always use the lesser of the appraised value or the purchase price on the contract for financing and loan-to-value purposes. So, even if we have a rock solid $500,000 appraisal, if the purchase price on the contract is $250,000 – $250,000 will be the value from the lender’s perspective – no matter what. Read More

Are Lot Splits After Purchase Allowed? Cross-Collateralizing 10 Properties For One Loan

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Will my lender allow me to split my lot after I purchase? This is another question we frequently hear from borrowers who buy homes with large lots or who buy homes in areas where cities and counties are encouraging lot splits to foster the growth in housing units. Borrowers can split lots, but they need to remember that their entire property/lot is encumbered by their mortgage. Read More

Cap Rates in Real Estate: How To Maximize Your Investments

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At its core, the cap rate is a metric that evaluates the return on an investment property. It does this by examining the Net Operating Income (NOI) a property generates. Think of the capitalization rate as a tool for assessing the potential annual return of a property, helping you gauge how much you might earn—or lose—from your investment. Curious about how this works in practice? We'll break it down further in the next section.Read More

Multi-Family Housing Imploding! It’s Worse Than You Think!

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In 2004 and 2005, when mortgage lenders were offering 100% financing for investment properties to inexperienced investors – who did not have to verify ANY income – I and many others in the industry were convinced we’d see a real estate meltdown.Read More

Understanding DSCR Loans in Oregon

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DSCR, or Debt Service Coverage Ratio loans, are becoming a game-changer in the real estate investment sector. But what exactly is a DSCR loan? These loans focus on the property's ability to generate income rather than solely on the borrower's personal financial status. This approach makes them particularly appealing for investors in Oregon, where the real estate market is diverse and dynamic.Read More

DSCR Loans ONLY Use Rent To Qualify; Do NOT Need to Cash Flow; DSCR Rates Are LOW!

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With a 25% down payment, almost anyone can get a DSCR mortgage – even if the property does NOT cash flow with rent. DSCR stands for Debt Service Coverage Ratio Loans – and most readers are aware of them now. BUT – there are two huge misconceptions that I will address below.Read More

DSCR Loans in Idaho: An Investors Guide

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Ready to get started in Idaho's real estate investment arena? Investing in real estate requires a keen understanding of specialized financial tools like DSCR loans, particularly given the unique opportunities within the Idaho's burgeoning property market.Read More

The Tennessee Real Estate Investor’s Guide to DSCR Loans

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Allow us to guide you through the real estate nuances in Tennessee's prime locales, ensuring your DSCR loan aligns perfectly with your financial goals.Read More

Investing In Texas Real Estate With DSCR Loans

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Whether you are considering investing in the tech-driven city of Austin or the cultural hub of Dallas, JVM Lending is here to assist you with your DSCR loan in Texas. Our expertise in the Texas real estate market, combined with our deep understanding of debt service coverage ratio loans, enables us to provide tailored solutions to meet your investment goals in these popular locations.Read More

Revolutionizing Arizona Real Estate Investments

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JVM Lending has partnered with Olson Gough, leveraging their revolutionary real estate investment software to offer our clients comprehensive investment and financing solutions. Navigating Arizona's competitive real estate market can be daunting, but with the right tools and partners, it can become a journey of informed, data-driven decisions thanks to Olson Gough's and JVM Lending's expertise.Read More

Real Estate Opportunities with DSCR Loans in Arizona

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In the dynamic Arizona real estate market, DSCR loans open up exciting opportunities for investors. These specialized loans allow you to tap into the potential of rental properties without overextending your personal finances. Understanding the importance of the Debt Service Coverage Ratio and how it affects your loan eligibility can be a game-changer in your real estate investment journey.Read More