Welcome! 

The Real Estate Funding Company, Inc. is pleased to announce two (2) New Mortgage Loan Programs for real estate investors that are hybrid programs between residential and commercial programs.

• 5 to 8 Unit Multifamily Properties

• 2 to 8 Unit Mixed-Use Properties

Our NO Cost, NO Obligation loan quotation process is very easy to use and produces a new loan quotation with the best loan terms and interest rate available.

After that, the application, qualifying and underwriting is simplified, and these loans can close quickly.

With today’s low interest rates, now is the time for you and The Real Estate Funding Company, Inc. to work together to:

• • Lower your interest rate – (lower your monthly payments, increase your net cash-flow),

  • Get cash-out to make new investments as value-priced opportunities arise,

  • Get cash-out to pay for property maintenance/improvements,

  • Get cash-out to have liquid reserves for situations like COVID-19.

Special Note: While interest rates are still low, they have gone up once this year and the Federal Reserve plans to increase interest rates six (6) more times in 2022 and three (3) more times in 2023.

So now is the time to lock-in the lowest rate available and get the maximum cash-out.

Here are the new investment property mortgage loans that are available to you NOW:

Items NOT REQUIRED

• No personal employment history
• No personal tax returns
• No personal Debt-To-Income (DTI) ratio calculations

Here is an “Investor Cash-Flow Optimization Example”

Real estate investors expect a Return On Investment (ROI), which is usually measured by the positive net monthly income generated by the investment property.

If the property is financed, the mortgage loan’s monthly payment, which is driven by the interest rate, usually is, by far, the largest of the property’s monthly expenses.

As you know, interest rates are determined by several parameters, one of them being the prepayment penalty (PPP). The most advantageous PPP for these New Loan Programs is a 5 year, 5% of the loan amount format, which can result in an interest rate reduction of up to 0.750%.

Most financial intuitions are now only providing adjustable interest rate loans (ARMs) or loans with a short, fixed rate period as a hedge against rate increases. Our New Loan Programs provide fixed rates over the entire term of the loan.

Another significant feature of these New Loan Programs is the availability of a 10-year Interest-Only (I/O) payment period.

Interest rates went up significantly in mid-June and are scheduled to go up again in late July. The example interest rate below reflects the current rate trend for these “commercial-type” properties.

While interest rates are always important, the cash-out opportunity is potentially more important to you as a hedge against these uncertain and downward trending financial times and to be able to move quickly to purchase value-priced investment properties as they become available.

This example compares a $1,000,000 loan with a 7.00% interest rate along with the 5-year 5% PPP with fully amortized principal and interest payments versus I/O payments.

The fully amortized loan has a monthly payment of $6,653.02.

Our New Loan Programs, with I/O payments, has a monthly payment of $5,833.33

The monthly increase of net cash-flow with I/O payments is $819.69.

The annual increase of net cash-flow with I/O payments is $9,836.28.

Over the 10-year I/O period the overall increase of available new net cash-flow is $98,362.80 with I/O payments.

As an investor, this increase in cash-flow certainly increases the Return On Investment, and also provides cash to support other investment activities.

Get started now at NO COST, and NO OBLIGATION to learn what your net-cash-flow increase may be based on your new loan amount, cash-out amount and interest rate!

The Real Estate Funding Company, Inc. is very experienced and knowledgeable in arranging the very best loan for which you and your investment property qualify.

Everyone is aware of the changes in the mortgage application process mandated by the Federal Government in the aftermath of the 2008 recession, which makes it difficult for the borrower to easily “shop” for a new loan with more than one lender.

All of the loan officers (at financial institutions), brokers, loan agents and direct lender representatives are the client-facing individuals and are called “Mortgage Loan Originators (MLOs)” – these are the “guides”.

Now it is important for you to shop for the best “guide” to help you with the new loan process.

It is very important for you to have The Real Estate Funding Company, Inc. as your “guide” as we can search the entire investment property mortgage loan marketplace for you, versus financial institutions and direct lenders who only have their in-house loan programs available.

Please remember, with The Real Estate Funding Company, Inc. there is never any cost to apply and no obligation to accept the loan program offered for which you and your investment property qualify.

Regarding “expectations”, be cautious when seeing or hearing generic mortgage loan information or advertisements, especially regarding interest rates, loan programs and terms.

Regardless of the attractiveness of the sales points presented (or the likability of the salesperson – the MLO), your investment property loan application file will be underwritten individually, and you will only be eligible for the loan program(s) and interest rate for which you and your investment property’s financial performance qualify.

This is your loan, and I cannot arrange it without your active participation. 

Unlike other MLOs, I will not put any pressure on you to complete your loan file.  Given the work you need to do, you need to be self-motivated to start and continue the new loan process through to its close. 

 

Please Check-In to Get Started!