Investors 1-4 Units
Non-Owner Occupied
Interest Only payments
4 Units Non-owner Occupied
No Cash out
5.25% 30 Year Fixed Rate
Interest only option first 10 Years
760+ credit
Full Doc loan requires past 2 years taxes and P & L for 2019
* Interest rate 5.25% Loan amount $500,000. Credit 760+ Loan to Value <70%
*APR 5.65%
We are partnered with over 100 direct lenders, multiple pools of private investors, 2 thrifts that fund on Wall Street, a hedge fund with billions to lend, and 21 Life Companies.
Always at your Service!
Please do not hesitate to call!
Janice
858-442-1854
JLiles@ValorLending.com
- Licensed CA Real Estate Broker since 2000
Recap of our Loan Products:Hard Money Loans (20% down / minimal documentation) Typically Fund in 7-10 days.
Stated Income Loans (Great for business owners and self-employed ) No tax returns!
100% financing is available (we can cross collateralize other properties if there is enough equity)
Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow – 1% DCR!
Flipper & Rehab Loans (Flip a property with one of our many options)
2nd Position Loans up to $5mm
Raw Land & Lot Loans
Ground up Construction for spec homes, custom homes and commercial ground up.
Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
Acreage Properties
Commercial Loans up to $500mm
3% & 5% down Conventional Loans- LPMI (Lender paid mortgage insurance)
We also offer:
10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $484,350k)
High Balance Conforming aka Super Conforming (from $484,350-$726,525)
Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm
FHA, VA, USDA
ARM’s
Reverse mortgages up to $1 Million Value
Refinance including Cash Out
