Investor Cash Flow Loans: Fund Your Real Estate Portfolio

Investor Cash Flow Loans are a type of non-QM mortgage designed for real estate investors. They assess your eligibility based on the rental income generated by the investment property, rather than your personal income. This means your property's cash flow potential is the key factor in loan approval.

These loans are ideal for:

• Real Estate Investors: Individuals who own or are looking to purchase rental properties, including single-family homes, multi-family properties, and even commercial real estate.
• Self-Employed Investors: Those with fluctuating income or complex tax situations, as these loans don't rely on traditional income verification.
• New Investors: Even if you're just starting your real estate portfolio, investor cash flow loans can provide a pathway to ownership.

Investor Cash Flow Loans offer several advantages:

• No Personal Income Verification: No need for pay stubs, tax returns, or W-2s.
• Focus on Property Cash Flow: Your loan is based on the rental income potential of the property.
• Higher Loan-to-Value (LTV) Ratios: Potentially borrow a higher percentage of the property's value.
• Interest-Only Options:Reduce your initial monthly payments for improved cash flow.
• Flexible Underwriting: More lenient credit and DTI requirements for qualified investors.

• DSCR is a key metric for Investor Cash Flow Loans. It measures the property's ability to generate enough income to cover the mortgage payments.
• Calculated as: Net Operating Income (NOI) / Annual Debt Service
• Calculated as: Net Operating Income (NOI) / Annual Debt Service

Investor Cash Flow Loans are available for a variety of property types:

• Single-Family Residences (SFR): 1-4 unit properties.
• Multi-Family Properties: 5-10 units or more.
• Condominiums: Both warrantable and non-warrantable condos.
• Mixed-Use Properties: Combining residential and commercial spaces.

Typical documentation includes:

• Property Appraisal: To assess the property's value.
• Lease Agreements: To verify rental income.
• Property Financial Statements: To assess operating expenses and net operating income.
• Personal Financial Information: While income isn't a primary factor, lenders still assess your creditworthiness and assets.

Interest rates for Investor Cash Flow Loans can be slightly higher than conventional mortgages due to their focus on property income rather than personal income. However, Ameritrust Mortgage offers competitive rates and flexible terms for qualified borrowers.

Contact Ameritrust Mortgage to discuss your investment goals and financial situation. Our experienced loan officers specialize in Investor Cash Flow Loans and can guide you through the application process, helping you secure the financing you need to grow your real estate portfolio.