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mparing Our No Proof of Income Rental Property Loan ProgramsRental Home Financing Investment Loans
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Yield maintenance can be a new and unfamiliar term to newer real estate investors. What is it? How does it work?
Essentially, yield maintenance helps ensure the lender and their investors achieve a minimum yield on the loans they make. They need to ensure they stay profitable, and deliver on their guarantees to others.
Yield maintenance typically shows up as a prepayment premium or penalty in mortgage loan documents.This is a standard feature in many commercial real estate loans. How much it is can depend on a combination of interest rate, points, pre-payment penalties, and interest rate trends.
How Yield Maintenance Works
There are no absolute rules when it comes to applying this factor. Each lender can apply their own calculations, and desired minimum yield.
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mparing Our No Proof of Income Rental Property Loan Programs
This new offering is crafted with the active real estate investor in mind—someone who is not just focused on immediate profits but also values the potential for long-term appreciation through "acquire and hold" portfolios. Whether you're a seasoned investor expanding your empire or someone building a steady income stream for the future, this program provides the flexibility and freedom to grow without the typical financial hurdles.
What makes this program stand out is its innovative approach to lending. Unlike traditional programs that heavily scrutinize the revenue flow of rental units, our No DSCR (Debt Service Coverage Ratio) program looks beyond that. It’s strictly based on the intrinsic value of the property itself. This means you can make confident decisions without the pressure of meeting rigid cash flow requirements.
We understand that real estate investment is about seizing opportunities and staying agile. This program ensures that your regular return objectives aren’t constrained by unnecessary barriers. By focusing on the property's value rather than its current income, we empower you to maximize your potential, whether you're targeting undervalued properties, emerging markets, or prime locations with high appreciation potential.
With this forward-thinking approach, we’re not just offering a loan; we’re providing a tool to help you realize your vision, enabling you to focus on what matters most—building a portfolio that generates consistent returns today and substantial growth tomorrow.
APPLY NOW or Call us to find out more - 888-375-7977
Single Property Investor Series – DSCR Loan with No Proof of Income
Vacation Rentals – Short Term Rentals - AIRBNB - High-end Upscale Investment Housing
Program Structure:
| Offering Type: | Acquire, Rate Term Reborrow, Take-Profit & Reborrow |
| Realty Type: | Single property, First Lien Only |
| Loan Amount: | 100K - 2M |
| Program Terms: | 5/1 – 7/1 – 30/30 – No Balloon |
| Rate Range: | 6.5% and up |
| Amortization: | 30 year – Full Term Interest Only |
| LTV: | UP to 75% of value with 700 credit |
| Property Based DTI: | NO |
| Recourse: | YES |
| Geography: | National: Most major MSA’s and secondary markets |
Underwriting Guidelines:
| Property Type: | SFR, 2-4 units, condos (FNMA warrantable), townhomes |
| Valuation Type: | 1004/1007 URAR Standard with CDA Reconciliation |
| Borrower FICO: | 640 Minimum |
| Seasoning: | 6 Months on title for value |
| Documentation: | Streamlined – NO Tax Returns |
| Inventory: | Minimum of 4 months PITIA |
| Prepayment Penalty: | Declining or 80% of 6 months Interest Payments |
| Eligible Borrowers: | US Citizens/Permanent Resident Aliens/Foreign Nationals |
| Ineligible: |
Owner Occupied Homes |
2nd GENERATION SECURITIZATION LOAN PROGRAMS
Flexible lending programs to meet your time horizons! Click here to view all our loan programs.
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Refinance Rental Property with the Best Cash Out Refinance for Investment Property
Refinance Rental Property with the Best Cash Out Refinance for Investment PropertyRestructure for profit by refinancing investment property to help you cover the costs and potentially turn a profit if you rent it out at a higher rate or find another way to make money from the investment. An investment property refi can be a smart move for people who have a rental property that is no longer covering the mortgage cost. Short term rental mortgages is a huge move to recover from this situation. So what you need is the best cash out refinance for investment property.
Real Estate Investing with an Investment Home Refinance
If you are going to refinance a rental property you will need investment property refinance lenders who are willing to educate you in the process. Note that in an investment property loan there is more to it than closing costs, loan terms, rental income and property taxes.
You have the interest rate, upfront closing costs vs average closing costs, the loan amount, and any other upfront costs your lender may be able to help you with. Not understanding all the upfront costs is just as important as your fixed interest rate of your loan terms. We will guide you through all that is needed for an investment home refinance to get you the best rental refinance rates possible.
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Rental Home Financing
9465 Counselors Way
Suite #200,
Indianapolis, IN 46240
About Rental Home Financing:
Rental Home Financing, as the best mortgage lenders we originate rental home loan products and cash out refinance investment property loans as the best investment property refinance lenders. Commercial blanket loans are available with a commercial purpose to suit your needs.
Also, as DSCR loan specialists, we are currently authorized to make such loans in most all areas of the United States. Specific circumstances will determine whether we have the ability approve/close portfolio rental home loans in your state(s). When you are ready to get a mortgage for rental property, we are ready to serve you.