A recent bankruptcy, prior foreclosure, or limited credit history can make investment property financing more difficult. With loan amounts up to $5 million for eligible 1–4 unit investment properties, purchase and cash-out refinance options, and no minimum FICO requirement.
Aggressive Financing for Investment Properties
- Purchases and cash-out refinances
- Loan amounts up to $5 million for eligible 1–4 unit properties
- Up to 80% loan-to-value
- No reserve requirements
- No minimum FICO score
- No minimum tradeline requirements
- No-ratio options for eligible 1–4 unit investment properties
- Ownership seasoning as short as one day
- Credit-event seasoning as short as one day, including certain bankruptcy and prior foreclosure scenarios
A Recent Credit Event May Not Mean a Long Wait
Alternative programs may allow credit-event seasoning as short as one day. For an investor ready to purchase another property or refinance an existing investment, that flexibility can make a meaningful difference. The credit event details still matter. We can review the timing, status, and circumstances to help identify available options.
No-Ratio Options for 1–4 Unit Investors
For eligible 1–4 unit investment properties, no-ratio financing provides an alternative to programs that require a qualifying income ratio. This may help investors whose financial circumstances don’t fit traditional income qualification methods. No-ratio eligibility does not eliminate the need for a property review, supporting documentation, or lender approval.
- Single-family rental homes
- Investment condominiums
- Two-, three-, and four-unit properties
Recently Acquired Property? Explore Your Options
Ownership seasoning requirements can limit how soon an investor may refinance a recently purchased property. With ownership seasoning as short as one day, eligible borrowers may have options sooner than expected. The available loan amount, valuation method, and cash-out eligibility depend on the specific transaction and lender requirements.
Financing Beyond Residential Rentals
- Multifamily properties with five or more units, subject to applicable DSCR requirements
- Mixed-use properties
- Office buildings
- Retail properties
- Warehouses
- Self-storage facilities
- Automotive properties
- Eligible assisted living properties with 1–4 units
If you are purchasing a property, seeking a cash-out refinance, or exploring financing for a recently acquired investment, contact us for a Fast Quote
. Tell us about the property, your financing needs, and any credit or ownership seasoning concerns so we can review potential solutions.