Posts Tagged 'Mortgage loan'

5 Things That Make a Mortgage Loan Investment Property Promising

Posted on: March 4, 2012

Categories: Buy

Author: lbuen

Why Put Your Money on Mortgage Loan Investment Property?

Investing in real estate is one of, if not, the most effective way of building wealth since time immemorial. Land, being a limited resource, would always be in demand no matter where you are in the planet, or perhaps in the universe. People would always need space to sleep, work, play, live life, and sometimes to eternally rest. This means perpetual demand for real estate.

What to Look for in a Mortgage Loan Investment Property

The great thing about investing in real estate, although it is a big ticket investment, is that you can acquire it even if you do not have the full amount to pay for it, thanks to mortgage loans. Nevertheless, you cannot just buy the first property for sale you see as not all investments lead to… Read the rest

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4 Types of Investment Property Loan Rates

Posted on: February 6, 2012

Categories: Other Articles

Author: lbuen

Investment Property Loan Rates Can Make or Break Investments

So, you have finally decided on your first ever property to invest in. Your next move would be to get a mortgage loan to back your investment. You have learned that the investment property loan rate is one of the critical aspects of the loan, which can significantly impact the bottom line of your real estate investment. It is, thus, crucial that you pick the right rate. How do you know if it is the right rate for you? Well, first you have to get acquainted with the four general types of investment property loan rates. Here they are:

Types of Investment Property Loan Rates 
1. Fixed Rate

As its name suggests, this rate is predetermined by the market at tthe time you obtain the mortgage, and will be in effect… Read the rest

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How to Loan Investment Property Without Down Payment

Posted on: February 4, 2012

Categories: Buy, Other Articles

Author: lbuen

Jump-start Your Real Estate Investing Business, Loan Investment Property Without Down Payment

You can say that you actually have a foot in the property investing door once you have acquired your first investment property already. However, as an investor you may already have gotten acquainted with the different stumbling blocks when you loan investment property that you did not encounter when getting a traditional mortgage for your personal home. Often, you would be required to show that you can afford to pay both your home mortgage and that of your investment property by demonstrating that you earn sufficient income, much much more than what ordinary homebuyers earn. Lenders see investment property loans to involve higher risks than traditional mortgages so they tend to charge higher interest rates and usually require more down payment which could range between 25 and 35… Read the rest

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Mortgage Loans for Investment Property: Fixed Versus Variable

Posted on: January 31, 2012

Categories: Buy, Other Articles

Author: lbuen

Security and certainty versus low initial cost. These are what’s at stake when investors and homebuyers decide between taking on a fixed or adjustable rate mortgage loans for investment property. If you go for low initial cost, you have to be willing to take the risk of uncertainty. On the other hand, if you would rather put security and certainty first, you have to be willing to pay its price, in the form of expensive interest rates and payments. Let us put their pros and cons on the scale and see what holds more weight for you.

Advantages of Adjustable Rate Mortgage Loans for Investment Property

Interest rates and payments are initially lower.
It is a great choice in an economy where interest rates are on a decline.
At the outset while the interest rate is low, you can save

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Basic Investment Property Loan Requirements

Posted on: January 15, 2012

Categories: Other Articles

Author: lbuen

Obtaining financing for an investment property loan often proves more challenging than taking out funding for a residential purchase. Besides your own finances, mortgage lenders will also scrutinize the property in question, particularly its appraisal, cash flow and profitability. To give you an idea of what to expect, this post will cover some of the investment property loan requirements that most lender require.

Investment Property Loan Requirements: Your Financial Standing
Down payment

You must have enough funds to make the down payment. Lenders are taking in greater risks when funding investment properties because such properties often come with huge price tags. To somehow cushion them from such risks, they often command higher interest rates. At the same time, they also require beefier down payments, which often start at 20 percent of the price with averages ranging between… Read the rest

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Loan Modification, Investment Property: Can They Go Together?

Posted on: January 5, 2012

Categories: Other Articles

Author: lbuen

Wanted: Loan Modification for Investment Property

Are you having a hard time paying for the monthly mortgage of your rental property? Do you wish there is a way to adjust the rate or payment schedule of your investment property loan just like lenders do with primary homes? You are not alone. Many real estate investors are feeling the brunt of the ailing economy and are wishing that there is such a thing as loan modification for investment property.

Loan Modification – Investment Property Savior

The economic downturn has not only jeopardized the roof over the heads of primary homeowners; the sources of rental income of many real estate investors have also been agitated by the economic instability with many of them going on default and possible foreclosure, while some are starting to have difficulty making their monthly… Read the rest

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Home Equity Loan on Investment Property – Is This the Right Loan for You?

Posted on: December 27, 2011

Categories: Buy, Commercial Building, Residential House

Author: Jong

Equity loan on investment property is one of the possible options for you to get the needed cash for the down-payment of your dream house or another rental property. There are many other types of loans out there, and this seems to be one of the promising options especially if you have an existing investment property that you can use as collateral.

Before jumping on board to this kind of loan, it is best to know what home equity loan on investment property really is, and determine its suitability in your case. This is by no means suitable for all circumstances. There are instances where this type of loan is not recommended. It is, likewise, important to know its pros and cons in order to better understand how this loan can help you.

What is an Equity Loan on Investment

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FHA Loan Investment Property – Home and Rental Property Rolled Into One

Posted on: December 26, 2011

Categories: Other Articles

Author: lbuen

With so many downmarket properties up for grabs in the market today coupled with low mortgage rates, many people are looking into the opportunity of investing in rental properties. However, loan requirements for investment properties prove to be more stringent. One challenge a real estate investing beginner would be facing is the higher down payment requirement. If you do not have about 20 to 35 percent of the price of the property, should you be packing up and forget about your dreams of becoming a landlord? No! Thanks to the U.S. Department of Housing and Development (HUD), you can acquire a Federal Housing Administration or FHA Loan investment property.

What is an FHA Loan Investment Property

For sure you are already familiar with buying homes using FHA loans. Perhaps, you or someone you know may have bought your/their own home… Read the rest

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5 Activities Related to Property Investment Loans You Must Avoid

Posted on: November 30, 2011

Categories: Other Articles

Author: lbuen

 1. Identity Theft and Income/Asset Falsification To Obtain Property Investment Loans

The real estate industry is rife with this form of fraud that can be carried out by an individual, usually the property buyer, by using the personal information, such as birth dates, Social Security numbers, and addresses, of an unwilling and unsuspecting victim to dishonestly secure a mortgage loan. Some also steal bank records, pay stubs, tax returns, W2s, cooked employment verification letters, and even property ownership records to secure fraudulent property investment loans or home mortgage.

2. House Flipping With Appraiser Connivance

Many people are wary when they hear the term property flipping as a certain form of fraud is associated with it. Flipping a property is generally legal, that is, when you buy a property, hold or rehab it and then resell it for a profit. However,… Read the rest

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A Closer Look At Fixed Rate Loans for Investment Property

Posted on: November 27, 2011

Categories: Other Articles

Author: lbuen

Loans for Investment Property That Lets You Sleep Soundly at Night

Are you the type of property investor who wants to sleep well at night regardless of whether interest rates are rising or falling? In that case, you may prefer loans for investment property that are not directly affected by interest rate fluctuations. Time for you to take a closer look at fixed rate loans.

Understanding Fixed Rate Loans for Investment Property

By getting a fixed-rate loan for your investment property, you can repay your debt in equal monthly payments over a set period, typically 30 years, but it could be between 10 and 50 years. Payment for interest takes precedence over payment for principal. A large part of the monthly payment is credited to interest in the initial years of the loan, and as the loan period ends, much… Read the rest

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