Investor Cash Flow Mortgage Loan Rates

Investor Cash Flow Mortgage Loans

An investor cash flow mortgage loan lets real estate investor clients qualify for a mortgage based on property cash flow. This is a great alternative to conventional home loans, since there’s no personal income required to qualify. It also saves time from having to deal with complicated paperwork and tax returns.

Investor cash flow loans can be for as little as $75,000 all the way up to $2.5 million. Investor cash flow loans look specifically at the cash flow of your existing property (or properties) and you aren’t required to disclose your employment or income from other sources.

What are the Requirements to Participate in the Investor Cash Flow Program?

You’ll need to meet a minimum credit score of 680 and be able to make a 20% down payment. Mortgage rates can be as low as 4%, and residential properties qualify as long as they house up to four units. There’s no limit on the number of properties you can finance with this type of loan.

Plus, just like with conventional loans, you have several options available. For example, there are interest only loan options, as well as a 30 year fixed option available.

Investor Cash Flow Loan Features:

  • No personal income used to qualify
  • Qualification based on property cash flow only
  • Employment and Income are not required to be disclosed on the 1003
  • Credit score as low as 680
  • Rates starting in the 4%
  • 20% minimum down payment
  • Residential properties up to 4 units
  • No limit on number of properties financed
  • Loans up to $2.5 million
  • Interest Only Loan Options
  • 30-year fixed option available

Requirements:

  • Show investor/owner experience for min 6 month
  • 3 month reserves

Fast & Easy Custom Rate Quotes

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Know exactly what you can afford before you search for homes.

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Spend less $ out of pocket and lock in a super low interest rate!


Client Reviews

Vassiliy P
Vassiliy P
20:05 04 Jan 22
It's been a treat working with such knowledgeable and caring staff. Always reachable getting back to you with answers you need quick to make these life...
Mikhail K.
Mikhail K.
20:33 27 Dec 21
It was a pleasure working with Alex Shekhtman and his team on another loan. They made it easy and painless. Very professional and efficient. I would gladly...
Anna G.
Anna G.
15:34 21 Oct 21
LBC Team went above and beyond to help us buy our new home! They were available for all of our questions, were prompt in their replies to us, and guided us...
Julia T.
Julia T.
08:40 22 Aug 21
Excellent team of great professionals! Superb customer service! They have successfully handled our purchase and refinance in a very short period of time,...
Elina L.
Elina L.
11:12 30 Jun 21
It is hard to describe how scary we were when decided to buy a house. We had no knowledge of the processing, prices, policies, calculations… When our agent referred us to Alex Shekhtam, from the first phone consultation we felt to be just in right hands. We are so blessed to have LBC Mortgage team! Our first house was purchased just because of these hardworking, reliable, efficient, responsive professionals! Recently we were able to refinance our house on good conditions, again, just because of them! Easy processing paperwork, knowledgeable advisors, pleasant communication make you feel special. We are so grateful to all and everyone from LBC Mortgage for making our dreams true!!!!
Lora Kochetkova
Lora Kochetkova
03:44 29 Jun 21
LBC Team is now our Number One Team! Their service was impeccable! We really appreciated the detailed explanations and daily reminders throughout the whole...
Galina S.
Galina S.
13:34 29 Mar 21
Alex and his team were very attentive to our needs. We had some very specific criteria when looking for a home, and most mortgage companies, especially banks, were not even willing to listen to us -- but the team at LBC Mortgage was. They kept everything moving and were happy to answer our questions. We never felt like a burden to them, and that’s how customer service should be.
Kaylani paliotta
Kaylani paliotta
05:51 25 Mar 21
If you are shopping online for mortgage or refinance, look no further. Seamless process and good communication. I am pleased with their fast response. They kept me updated with each phase of a process. Thank you LBC Mortgage.
Christiane BABINOT
Christiane BABINOT
07:40 03 Mar 21
I work in construction, so I was used to going to the banks for a loan and being told “no” over and over again. I decided to see if I could bypass the process. I’d heard a lot of good things about this company but I didn’t realize how dedicated they were to helping me until I got to know them myself. They looked at all of my information and got me a great deal for my next project. I know who I’ll be using for all of my home loan needs from this point forward.
Jules Bonchamps
Jules Bonchamps
07:28 16 Feb 21
I’m a real estate broker myself and I consistently rely on LBC Mortgage to get me the best deals. I always know that I can count on Alex Shektman and his team to come through for me when I need them and I even use them myself! No better testimonial to their services than that!
Shane Watson
Shane Watson
04:54 12 Feb 21
I would like to express my gratitude to the LBC Mortage team and personally to Alexander Shekhtman. I turned to Alexander about buying a home: Alexander and his team supervised the whole process very professionally. Personally, in working with LBC Mortgage i liked the punctuality, delicacy and professionalism - any question, any incomprehensible place, was immediately explained and covered. I wish success and good luck to the Agency and its employees in their future work!
Marat Shaimardanov
Marat Shaimardanov
05:16 11 Jan 21
The services were provided at the highest level. They worried about us and delivered information as many times as necessary so that we would all understand) And also a huge plus of this company that I do not really speak English, so I received all the information in Russian, since most of the employees know Russian. I recommend this company
Roman Trach
Roman Trach
12:59 22 Dec 20
We have worked with Alex and his company for many many years and were never disappointed. Just recently they worked on refinancing for our home and again the result exceeded all of our expectations. The team is very professional, on point, makes sure you as a customer, are aware of every step along the way. Everyone is always very helpful and courteous. It was a pleasure to work with Alex and his team again. Thank you!
Alla Krishtall
Alla Krishtall
02:46 23 Sep 20
It’s my second time in 10 years enjoy excellent, very reliable and fast service , strongly recommended to everyone, no hustles and desirable result !!And by the case very professional and friendly stuff !!!
Luna Lovegood
Luna Lovegood
22:36 25 Aug 20

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Why an Investor Cash Flow Mortgage is a Great Option for Real Estate Investors

If you invest in real estate, an investor cash flow mortgage can be an excellent option to help you to continue to finance properties without needing to show your specific income from your job or other sources, but instead rely on the cash flow from your properties. This is particularly beneficial in the state of California where the real estate market is hot and ultra competitive.

Having access to this kind of financing can help you get approved faster as well as get you approved for more money than going through the long and tedious steps of a conventional mortgage.

However, it’s worth noting that you’ll need to demonstrate that you’ve been involved in the real estate investing industry or you have experience owning and managing multiple properties for at least six months.

In addition, you’ll need to have three months’ worth of reserves in order to qualify.

Learn More About This Exciting Mortgage Program!

It’s an exciting time to be a real estate investor. If you’re interested in learning more about the investor cash flow mortgage or how you may be able to use it to get a great deal for your own home loan, or to finance other properties, contact the home loan experts at LBC Mortgage. Our professional, experienced and knowledgeable mortgage experts will take the time to answer your questions and help you get the best home loan at the best possible rate.

We can also take the time to let you know more about other programs available that don’t require income documentation or have the paperwork involved that can slow you down. This can keep financing flowing as you continue to invest and grow your real estate portfolio. As real estate experts ourselves, we understand that investors have unique needs, and an investor cash flow mortgage is a great way to leverage unique loan programs to continue your upward growth!

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