TExas investor loanssince 2004

Specializing in Loans for Real Estate Investors (flipper, rehabs, and landlords )since 2004. We focus on Non bank loans - portfolio type , 10+ properties, self employed, stated income, more...

We have a 2 step process, so if you have quick request, go to step 1 and we will review right away.

1. You have quick request?, tell us your investment (Step1)loan scenario only- not an applicatiion, but scnario pitch****click(short online qualifier) (for all investor loans and portfolio/alternative loans. (or download our property - rental analyzer)

2. ****FULL- Loan application for rental homes*****FULL 1003 (Full investor loan application)

HIGHLIGHTS OF LOAN PROGRAMS: (30 year fixed, up to 80% LTV with 1.2 DSCR, 75% with "no ratio no income" loans)

***(stated income, no ratio, no credit, low, good, foreign national, llc, non recourse, ira, recent bk, foreclosure and more.)

**rates from 6's on non bank loans -pending ltv and credit (see more on investor loan programs and requirements)

SOFT Money (Non Bank Qualifying) , Fixed for 30 years - Whatever fits your need - These loans are for the investor who "just misses" bank qualifications. Maybe you own 10+ properties, self employed, had bk or foreclosure in last 4 years. Hybrid underwriting- good for self employed investors or those not showing enough on tax returns (they use bank statements , property cashflow and tax returns)

 

Financing options for the Texas Real Estate Investors & Landlord

Texas Investor loans - our mission , providing the 3 basic financing strategies for landlords and real estate investors. Depending on the investors need (long term, rehab, bank - non bank, owner finance) we are able to structure a solution. We are different in that we are part of the underwriting process and offer a candid consultation on what can be realistically funded.

**Stated Income" (no tax returns or 4506) loans, no credit min, no income from property caculated

**Non Recourse Loans for your IRA - (SFR rentals, commercial vacation rental property as well) - use standard application

***Anayze your rental property loans - (Landlord -Income Property Loan ,rental property analyzer.

 

Whether you wish to finance one property or build a portfolio we have a solution. Learn your options, be prepared and consider asking for a loan is like interviewing for a job.

 

BASIC SOURCES OF INVESTMENT PROPERTY FUNDING (Our services )

The following 2 categories (portfolio loans , both institutional grade and private funds are our specialty)

1. Portfolio Loans : Typically Banks, Credit Union, Life insurance companies and some non bank private funds (These are not mortgage banks) - Portfolio , or Balance Sheet lending loans , These are "story" loans. Maybe you have been turned down because you are self employed, or fluctuations in income. If your "story" is strong, meaning you have explanations, good cash reserves, compelling experience, other we can make loans that conventional mortgage banks cannot (again , a initiation of govt. insured mortgages) .

2..****(THE MOST FLEXIBLE ) Private (non institutional ) - hard money ,Non Bank: (Hedge Funds, Private individuals and small funds,even crowd funding)- higher rates (6% +plus) but if you have recent poor credit, not much income to show , out town owner of rental property , or other reasons these may be the best option.(1-4 unit investment rentals).

"no income" loans and stated loans would fall under this category.

***STATED INCOME LOANS AND BANK STATMENT LOANS ARE AVAILABLE WITH PRIVATE LENDING (More Non - bank loans) -

IF YOU HAVE A RENTAL PROPERTY LOAN REQUEST CLICK BELOW - SAME DAY RESPONSE ON YOUR PREQAUL: (loan submission below)

Quick Scenario - (our basic loan submission form)- Click and answer a few quick questions, this is also very good supplement to our full loan application. (This will tell us the quick story on the investor and the potential subject property)

Do you need hard money for fix and flip - (rehab to rental), fund purchase and repairs then convert to a long term loan. : This is our hard money in Texas site for rehab-hard money , Urban Coyote Funding -Texas Rehab Loans) . All investors of real estate will at some point need a short term (hard money- rehab loan) , so please save site for your rehab loans.

Land Lord & Rental property scenario (click here)- send us your scenario (RENTAL PROPERTY FINANCING SUPPLEMENT)

 

HARD MONEY BLOG (see many articles regarding hard money and alternative lending)

Foreign National Loans for Investors - up to 65% of value (long and short term loans)