Are You a Residential Real Estate Investor?
Use the Investment Property Cash Flow to Qualify!
There are a number of programs that are at your disposal with Valor Lending Group if you are a real estate investor. What program is right for you or your client’s situation?
Real Estate Investor Program:
Don’t let rising rate prevent you from acquiring more investment properties! We have solutions to access capital through a refinance with rate that will let your properties cash flow.
No Tax Returns
No Employment Required
No Income Required
No Debt to Income Ratio Calculated
Cash Flow based on Subject Property
SFR, Condo and 1-4 Unit
Maximum Loan $2.5M | Purchase and R/T Refinance
Maximum Loan $2M | Cash out Refinance
Unlimited Financed Properties OK
Recap of our Loan Products:
- Hard Money Loans (28-35% 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)
- Foreign Nationals Loans (no social security or residency required)
We also offer:
- 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $484k)
- High Balance Conforming aka Super Conforming (from $484k-$726k)
- Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm
- FHA, VA, USDA
- Reverse mortgages up to $1 Million Value
- Refinance including Cash Out
*8.29% APR Based upon a $1M loan amount | 600 FICO score | California Property
CA BRE# 01967579
Valor Lending Group
“Pride in Lending”
Diamond View Tower
350 10th Ave – 10th Floor
San Diego, CA
Direct: (858) 699-4614
Fax: (619) 255-0602