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


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

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Client Reviews

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
We were able to close on our first home even with a strict budget, and I credit it all to Alex and the staff at LBC Mortgage. We couldn’t have done it without you. Thank you so much!
Roger Billon
Roger Billon
06:07 25 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
This was one of the last steps I needed to do in order to close on a home, and I had been putting it off because I had assumed it was a complicated and cumbersome process. I could not have been more wrong. Alex and everyone at LBC Mortgage made the process really simple and straightforward. Excellent company with people that really care about you.
Charles W
Charles W
06:52 23 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
People often ask me who I use for my own mortgages and refinances. Every time I recommend LBC Mortgage. They’re always working hard to stay one step ahead of the competition. To me, they’re more like family than my mortgage company. I’ve just closed my third deal with them and I can’t wait to see what the future holds.
Ahndray Hamilton
Ahndray Hamilton
09:06 18 Feb 21

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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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