How to use your lazy cash into cash-flowing real property – use a HELOC or a home equity to purchase investment real estate. Ever wonder how people have all this savings sitting around to deploy into purchasing investment properties? Are they just good savers? Nope, they aren’t just good savers – they are accessing the “lazy cash” that is sitting in their home equity to purchase Fix and Flips, Rentals, Airbnb’s, even small multifamily properties! That’s what we are are doing – using our “lazy cash” to look at investment properties. Why let that equity just sit in your home for that “one day” when you are going to move? Instead use that equity to make investments and turn your money over and over and over. When money is moving you are making cash flow or MAILBOX MONEY!

Use your lazy cash of your home equity to purchase investment real estate:

So what are the steps to get the best HELOC Programs?

Valor Lending Group can help you with all of your HELOC Loan needs!

CALL 480-773-0714 or EMAIL

A HELOC (home equity line of credit), is a type of home equity loan that allows you to draw funds as you need them and repay the money at a variable interest rate. The Best HELOC Programs are commonly for individuals who need funds to use for investments or to payoff existing debt. They are also beneficial for individuals that are in need of funds for on going home improvement projects. Typically HELOCs have lower interest rates than home equity loans and personal loans.

How does a HELOC work?

A HELOC works by giving you a line of credit that’s available for a set time frame, this is known as the draw period. Most HELOCs have an interest-only draw period, you can make both interest and principal payments to pay off the line of credit faster.

Pros and Cons of HELOCs

Pros

• You only pay what you spend
• Use the money for anything
• Options to lock in or fix your rate
• Lower interest rates compared to credit cards and personal loans
• You can borrow more money than with a credit card or personal loan

Cons

• The application process for a HELOC is longer than a credit card or personal loan
• Possible minimum withdrawal requirements
• Set draw period
• Possible fees and closing costs
• If you default, you risk losing your house

Bottom Line

If you are an individual that is in need of funds to deploy into an investment property, for a ongoing home improvement project or need to pay off some debt, a HELOC may be the right loan options for you. Some pros of a HELOC is that they have lower interest rates compared to credit cards and personal loans. Also, you can borrow more money than with a credit card or personal loan. A con, is that if you default on the HELOC you could risk losing your house. Valor Lending Group offers every mortgage loan in the book and is here to help you through the mortgage loan process today. I will be

be standings by for you call.

Recap of our Loan Products:

1. Hard Money Loans/Bridge Loan  (20% down / minimal documentation) Typically Fund in 7-10 days.
2. Stated Income Loans (Great for business owners and self employed ) No tax returns!
3. 100% financing is available (we can cross collateralize other properties if there is enough equity)
4. Valor VA Home Loan 100% financing up to $1.5MM
5. Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
6. Flipper & Rehab Loans (Flip a property with one of our many options)
7. 2nd Position Loans up to $5mm
8. Raw Land & Lot Loans
9. Ground up Construction for spec homes, custom homes and commercial ground up.
10. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
11. 5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
12. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
13. Acreage Properties
14. Commercial Loans up to $500mm
15. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
16. Foreign Nationals Loans (no social security or residency required)

We also offer:

1. Conventional Conforming Loans (under $647,200)
2. High Balance Conforming (from $647,200-$970,800)
3. Jumbo Loan Financing to $10 Million / Super low rates! / 10% down Jumbo to $3mm
4. FHA, USDA
5. Reverse mortgages up to $1 Million Value
6. Cash Out Refinancing

We are never too busy for your referrals.

CONTACT ME TODAY at 480-773-0714 for immediate attention to your scenario! 

For the most up to date mortgage news visit: Mortgage News Daily

Google Reviews

Did we miss anything?

• Call or Email me (James Romero) if there is any information that we have missed
• Follow us on Face Book or Instagram
• Share this on your Social Media
• Do not hesitate to give us your feedback
• Call me for a quick quote. 480-773-0714

How to use your home equity to purchase investment real estate. Ever wonder how people have all this savings sitting around to deploy into purchasing investment properties? Are they just good savers? Nope, they aren’t just good savers – they are accessing the “lazy cash” that is sitting in their home equity to purchase Fix and Flips, Rentals, Airbnb’s, even small multifamily properties! That’s what we are are doing – using our “lazy cash” to look at investment properties. Why let that equity just sit in your home for that “one day” when you are going to move? Instead use that equity to make investments and turn your money over and over and over. When money is moving you are making cash flow or MAILBOX MONEY!

Use your home equity to purchase investment real estate:

So what are the steps to get the best HELOC Programs?

Valor Lending Group can help you with all of your HELOC Loan needs!

CALL 480-773-0714 or EMAIL

A HELOC (home equity line of credit), is a type of home equity loan that allows you to draw funds as you need them and repay the money at a variable interest rate. The Best HELOC Programs are commonly for individuals who need funds to use for investments or to payoff existing debt. They are also beneficial for individuals that are in need of funds for on going home improvement projects. Typically HELOCs have lower interest rates than home equity loans and personal loans.

How does a HELOC work?

A HELOC works by giving you a line of credit that’s available for a set time frame, this is known as the draw period. Most HELOCs have an interest-only draw period, you can make both interest and principal payments to pay off the line of credit faster.

Pros and Cons of HELOCs

Pros

• You only pay what you spend
• Use the money for anything
• Options to lock in or fix your rate
• Lower interest rates compared to credit cards and personal loans
• You can borrow more money than with a credit card or personal loan

Cons

• The application process for a HELOC is longer than a credit card or personal loan
• Possible minimum withdrawal requirements
• Set draw period
• Possible fees and closing costs
• If you default, you risk losing your house

Bottom Line

If you are an individual that is in need of funds to deploy into an investment property, for a ongoing home improvement project or need to pay off some debt, a HELOC may be the right loan options for you. Some pros of a HELOC is that they have lower interest rates compared to credit cards and personal loans. Also, you can borrow more money than with a credit card or personal loan. A con, is that if you default on the HELOC you could risk losing your house. Valor Lending Group offers every mortgage loan in the book and is here to help you through the mortgage loan process today. I will be

be standings by for you call.

Recap of our Loan Products:

1. Hard Money Loans/Bridge Loan  (20% down / minimal documentation) Typically Fund in 7-10 days.
2. Stated Income Loans (Great for business owners and self employed ) No tax returns!
3. 100% financing is available (we can cross collateralize other properties if there is enough equity)
4. Valor VA Home Loan 100% financing up to $1.5MM
5. Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
6. Flipper & Rehab Loans (Flip a property with one of our many options)
7. 2nd Position Loans up to $5mm
8. Raw Land & Lot Loans
9. Ground up Construction for spec homes, custom homes and commercial ground up.
10. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
11. 5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
12. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
13. Acreage Properties
14. Commercial Loans up to $500mm
15. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
16. Foreign Nationals Loans (no social security or residency required)

We also offer:

1. Conventional Conforming Loans (under $647,200)
2. High Balance Conforming (from $647,200-$970,800)
3. Jumbo Loan Financing to $10 Million / Super low rates! / 10% down Jumbo to $3mm
4. FHA, USDA
5. Reverse mortgages up to $1 Million Value
6. Cash Out Refinancing

We are never too busy for your referrals.

CONTACT ME TODAY at 480-773-0714 for immediate attention to your scenario! 

For the most up to date mortgage news visit: Mortgage News Daily

Google Reviews

Did we miss anything?

• Call or Email me (James Romero) if there is any information that we have missed
• Follow us on Face Book or Instagram
• Share this on your Social Media
• Do not hesitate to give us your feedback
• Call me for a quick quote. 480-773-0714