Welcome to LendingOneFunding
At LendingOneFunding, we specialize in providing flexible funding solutions for new investors, with personalized customer focus.
Real estate investor loans are specialized financial products designed to help individuals and entities invest in residential properties. Unlike traditional home loans aimed at primary residences, these loans cater specifically to the unique needs and goals of real estate investors, providing them with the capital necessary to purchase, renovate, or develop properties for rental income or resale at a profit. Often called DSCR loans.
These loans come in various forms, including fix-and-flip loans and rental property loans, each tailored to different investment strategies and property types. Real estate investor loans often feature different terms, interest rates, and qualification criteria compared to standard mortgages, reflecting the higher risk and potential reward associated with real estate investing.
For investors, these loans offer a crucial tool for expanding their property portfolios, enhancing cash flow, and ultimately building wealth through real estate. However, they also require careful consideration and strategic planning to ensure that the investments yield the desired financial returns.
Explore Our Loans
No Income Verification Loans
No Income Verification loans simplify the approval process for investors.
Debt Service Coverage Ratio (DSCR) loans are a type of real estate investor loan that focuses on the property's income-generating potential rather than the borrower's personal income. These loans assess the property's ability to cover its debt obligations through its net operating income (NOI). The DSCR is calculated by dividing the property's NOI by the total debt service, including principal and interest payments.
By prioritizing the property's financial performance, these loans provide a flexible financing solution that can help investors maximize their real estate investment opportunities.
Fix and Hold Rental Loans
A Fix and Hold loan is similar to a Fix and Flip loan but designed for real estate investors who plan to buy, renovate, and then hold the property as a long-term rental investment. These loans provide financing for both the acquisition and rehab costs but allow the investor to transition into a long-term rental mortgage once the renovation is complete. Fix and Hold loans are ideal for investors looking to generate passive income through rental properties.
Key features include:
- Short-term financing (typically 12 to 24 months) during the renovation phase.
- Transition to long-term financing after stabilization (often 30-year rental loans).
- Lower interest rates and longer terms after the property is rented out.
- Emphasis on property cash flow and rental income when qualifying for long-term refinancing.
Both loan types allow investors to leverage real estate opportunities by capitalizing on distressed properties and transforming them into valuable assets.
Fix and Flip Loans
Finance those properties in need of repair and then convert to rentals. with resources and personalized support.
A fix-and-flip loan is a short-term financing option specifically designed for real estate investors who purchase properties with the intention of renovating and selling them for a profit within a short timeframe. These loans are typically used to cover the costs of acquiring a property, making necessary repairs and improvements, and ultimately preparing it for resale.
- Short-Term Duration: These loans generally have terms ranging from 6 to 18 months, reflecting the quick turnaround time expected for renovation projects.
- Higher Interest Rates: Due to the higher risk associated with fix-and-flip projects, these loans often come with higher interest rates compared to traditional mortgages.
- Flexible Approval Criteria: Lenders may place more emphasis on the potential value of the property post-renovation and the investor's experience rather than on traditional creditworthiness metrics.
- Quick Funding: Given the competitive nature of real estate investing, fix-and-flip loans often provide faster approval and funding processes to enable investors to seize opportunities promptly.
- Rehabilitation Costs: These loans can include funds for both the purchase price of the property and the estimated costs of renovations, helping investors manage their cash flow.
- Then sell for a PROFIT!
Frequently Asked Questions
“LendingOneFunding made the funding process so easy! They guided me every step of the way and secured the best deal for me.”
[Louis E.]
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Location
LendingOneFunding
Ijamsville, MD. United States
301-477-LEND
About us
LendingOneFunding is a dedicated mortgage brokerage located in Maryland. Our mission is to provide innovative loan solutions that cater to the diverse needs of our clients. With a specialized focus on no income verification mortgage loans, (DSCR) we understand the unique challenges faced by self-employed individuals and those with non-traditional income sources. Our experienced team is committed to delivering exceptional service and personalized guidance throughout the loan process. Trust LendingOneFunding to help you navigate the investment property funding landscape with ease and confidence.
Whether you are a seasoned investor or new to the real estate market, our goal is to provide you with the support and guidance necessary to make informed decisions and achieve your financial aspirations. Let's work together to unlock the potential of real estate and secure a prosperous future.