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Financing Residential Income Property

Properties which have 5 units or more, are considered commercial properties, and therefore require commercial financing is the only option available to investors. Tthe investor's individual credit score is not necessarily a deal breaker since the property's cash flow is focused on more when you compare it to conventional financing on homes or two to four units. Ultimately, the lender will decide the final amount to finance after their analysis of the P&L (Profit/Loss) and Debt Service on the subject property.

If you are buying 5 or more units? Our sources may have the right apartment loan for real estate investors up to 85% CLTV, small impounds, zero lender points, and minimal closing costs. Loan programs include stated income & low documentation programs in metropolitan areas.

Most lenders will lend 75% of the property's value unless the property has the following characteristics:

80% LTV -   A+ property (highly desirable area, quality construction, unit mix)  

85% LTV -   A & B grade property - Property generates extremely good income to debt service of 1.40+

 find a commercial mortgage NEW !!  Find a Commercial Mortgage here.
Up to 80% Financing on
  loans up to $1,500,000 . Learn More

We also have competitive sources to shop for mortgage rates and loan programs for homes. We achieve results here by partnering with quality mortgage bankers, mortgage brokers and mortgage servicing companies. Their apartment loans  are available on fixed and variable rate programs and are some of the lowest in the industry. 

2 to 4 units and Home Financing 

Today's Mortgage Rates for Homes, 2-to-4 Units and Condos.

Apply below for Home Loans using a conforming, jumbo, FHA, VA program on single family homes or 2 to 4 Units. Quick and Easy, only two minutes!!

Loan programs include Stated Income Loan, for borrowers who don't want to provide income documentation, and FHA streamline refinancing for borrowers who bought with an FHA loan. This is an excellent type of loan for 2 t 4 unit owner occupied properties.

Million Dollar Loans for high cost luxury homes, investors, self-employed and low downpayment programs, such as 10% on non-conforming loans. 

Have a lot of debt? No problem, apply for a debt consolidation loan on your home.