Have you been thinking about investing in real estate?

Would you be surprised to know that investment property loans are probably the easiest loan to qualify for of all loans? Can you guess why?

Well, the short answer is that you are not adding any loan payment to your qualifications.  This means you are not compromising your debt-to-income ratio.

Your debt-to-income ratio is all your monthly debt payments divided by your gross monthly income. This tells a lender what your ability is to manage the payments you make every month that repay money you have borrowed. As noted above investment loans do not affect this measure of financial health.  This is one of the reasons these loans are easier to qualify for.  What else do you need to qualify for an investment property loan?

You need a down payment and a good credit score (640).  As with most loans, the better your credit score is or the more money you put down, the better your interest rate is.  Are you beginning to see the possibilities of becoming an investor?

This is for real my friends, and it is easy.

Seasoned investors who have a history of owning investment properties have even more options.  We have a specific loan for seasoned investors where there is…..

  • No employment check
  • No income verification
  • No tax returns are needed
  • No paystubs

All you need is a one-year history of owning and managing investment properties.

Requirements for this loan include the monthly rental income needs to exceed your mortgage payment (PITI). We have not run across anyone yet who doesn’t meet this requirement.

You will also  need 20% down.

You can purchase a single-family home, a condo, or 1-4 units. Mobile homes do not qualify to be in this loan program.

I am sharing these options with you as these are very interesting programs because if you are looking to invest in real estate, it is easier than you might have been thinking to get in and start making money.

At the end of the day I know you probably have questions, well, pick up the phone and call me at 813-361-6350, I have the answers.


Common cents about real estate investing.



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