Main Loan Types for Investors

➦Residential Rental Property Purchase

➦Refinance of Current Residential Properties

➦New Construction Loan

➦Short Term Rentals

➦Bridge Loans

➦Portfolio Loans

Portfolio loans are offered by lenders who retain the mortgages in their portfolio instead of selling them on the secondary market. This flexibility allows for more customized terms, making them suitable for investors with specific needs.

➦Fix-and-Flip Loans

These short-term loans are tailored for real estate investors who purchase properties to renovate and sell quickly. Fix-and-flip loans often have higher interest rates but provide funding for both the purchase and renovation costs.

➦Hard Money Loans

Hard money loans come from private investors or companies and are based on the value of the property rather than the borrower’s credit worthiness. These loans are typically short-term and may have higher interest rates.

➦Commercial Loans

Commercial loans are designed for income-generating properties such as office buildings, retail spaces, or multi-family units. Investors can secure commercial mortgages for properties with multiple units or for properties intended for business use.

➦Home Equity Loans or Lines of Credit

Investors who own a primary residence may use home equity loans or lines of credit to finance real estate investments. These loans leverage the equity in the existing property to fund other investments.

➦Blanket Mortgages

Blanket mortgages cover multiple properties under a single loan. This type of mortgage is suitable for investors with a portfolio of properties who want a more streamlined financing approach.

➦Seller Financing

In seller financing, the property seller acts as the lender, providing financing directly to the buyer (investor). This can be a flexible arrangement with terms negotiated between the buyer and seller.