Looking for the Right Investment Property Mortgage?

The right mortgage is key to maximizing your returns. I’ll guide you through every step of the process, providing clarity and finding the best solution to fit your goals.

Apply Online Today

What Makes My Vacation Home Mortgages Different

Proven Expertise

With extensive experience in investment property financing, I’ll help you understand your options and make informed decisions.

Access to Competitive Rates

By working with multiple lenders and leveraging volume discounts, I’ll find you the best rate to save you thousands over the life of your mortgage.

Personalized Solutions

Every investor’s goals are unique. I’ll create a mortgage plan that works for your situation, whether it’s for a single rental property or a growing portfolio.

Common Questions Answered

Here are some answers to the questions I hear most:

How much do I need for a down payment?

Investment properties require a minimum down payment of 20%. This is a traditional mortgage that doesn’t require mortgage default insurance, which also means fewer restrictions and more flexibility.

How are rates different for investment properties?

Lenders typically add a small premium to rates for investment properties, but I’ll use my lender network and volume discounts to ensure you get the best rate for your situation.

What’s the maximum amortization I can get?

With a 20% down payment, good credit, and steady income, you may qualify for an amortization of up to 30 years, which can significantly reduce your monthly payments.

What about net worth requirements?

Some lenders may require a minimum net worth, often around $100,000 per property. However, this varies by lender, and many don’t have net worth requirements.

How does rental income factor into the process?

Lenders often use a portion of your rental income to offset mortgage costs. For example, some lenders calculate 50%-70% of your rental income to reduce your debt ratio, which can improve your eligibility.

How the Process Works

Start with a Quick Form

Answer a few simple questions to get started. It’s quick, easy, and sets the foundation for your plan.

Explore Financing Options

I’ll look at different strategies to fund your investment, like using a down payment or tapping into equity from your current property.

Get Pre-Approved

I’ll help you lock in a competitive rate and confirm your borrowing limit, so you can make confident decisions when it’s time to buy.

I’ll Handle the Mortgage Details

While you focus on finding your home, I’ll take care of negotiations, paperwork, and everything else to make sure your mortgage is lined up smoothly.

Finalize and Close

I’ll handle the paperwork and guide you through the closing process, making sure everything goes smoothly so you can start building your portfolio.

Start Building Your Real Estate Portfolio Today

Let’s find the perfect mortgage for your investment property and set you on the path to long-term financial growth.

Apply Online Now

Looking for the Right Investment Property Mortgage?

What Makes My Vacation Home Mortgages Different

Proven Expertise

Access to Competitive Rates

Personalized Solutions

Common Questions Answered

How the Process Works

Start with a Quick Form

Explore Financing Options

Get Pre-Approved

I’ll Handle the Mortgage Details

Finalize and Close

Start Building Your Real Estate Portfolio Today

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Mozhgan Mirshams

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