Long-Term Financing
Learn more about our permanent Long-term real estrate financing options below
Long-Term Financing
Learn more about our permanent financing options below
Qualify Based Upon The Property’s Power,
Not Your Own Qualifications!
What Is Long-Term Financing ?
The purpose of Long-Term Financing is for investors that intend to hold properties for longer than 3 years. It is sought after as the optimal solution for investors who want to lock in fixed costs of ownership while watching their rental income consistently increase, year over year.
There are several types of loan products and terms offered for those seeking permanent financing in real estate.
5 or 7 Year ARM
This loan term offers the shortest length of loan lock and is usually slightly less expensive than longer term loans.
30 Year Fixed or 30 and 40 Year Interest Only
This style of financing provides the maximum cash flow profits to sophisticated investors and works best for properties located within highly desirable areas with stable employment that typically translates to consistent long-term property value appreciation.
5, 7, or 10 Year Balloon
These types of loans can also be amortized over either a 25 or 30 year term, yet require the full balance to be paid off at the end of the fixed period, with the 5 year balloon being highly common among real estate investors.
Most of the loan lengths mentioned above are amortized over a 30-year timeframe and create the longest certainty of cost to the investor with the lowest payment possibilities. Occasionally, some property types and loan programs may be amortized over 25 years as opposed to 30, yet this will be fully disclosed before taking out any financing through our firm. All of the permanent loan options mentioned are often utilized after a short-term loan as part of a BRRRR method. If you are unfamiliar with the details and reasons for implementing this type of business growth approach, this is another reason for you to contact us today and discuss the power this strategy can infuse in the expansion of your real estate empire.
We help you navigate the landscape of lending options through detailed explanations from beginning to end and simplified document designs where multiple loan options can easily be compared on one sheet for the same property financing request. A frequent practice of several investors is to consider re-leveraging their properties every 3 to 5 years depending upon overall mortgage and real estate market conditions.
Loan Products Offered
DSCR Loan
Start a business that appreciates and is easily scalable!
Tired of providing tons of paperwork to a loan officer only for them to ask for more and then quiz you about every little detail and invade your privacy by inquiring about all of your unrelated financial habits? You have landed at the proper place. The DSCR loan style will treat your rental property like your own small business and will structure the loan based on the cash flow it will produce instead of your own income and obligations.
Investors no longer need to provide personal income statements or tax returns for financing in real estate across America.
Short-Term Rentals
Interested in Maximum Rental Income?
These are loans on properties that are typically held for a very long period of time, yet rented out for short term use, such as a long-term Airbnb rentals. The source of the income stems from clients seeking to either rent by the nightly rate or weekly usage. Since the renters are paying for a short period of time, they must pay a substantially higher rate per night or week, than they would if they rented for 1-2 years straight on a permanent rental basis.
This is more feasible as travelers are often staying for short durations as they are on vacation which places them in reward mode that loosens their spending habits and increases the landlord’s income.
Portfolio Loans
Ready to Streamline and Expand Your Rental Business?
If you own 3+ rental properties, it’s time to begin strategizing about how you to take one step that allows you to capture pooled equity, acquire new properties, and simplify your life. That is what utilization of portfolio real estate financing can do for you. This type of loan product can also be labeled as a “blanket loan”. These loans are based upon the DSCR formula and loan described above on this page.
The portfolio loan allows investors to aggregate all their current properties or acquire a pre-determined collection of new properties all at once within one single portfolio umbrella.
Multi-Family Financing
Seeking Efficiency, Effectiveness, and Ease?
You can build your empire quick as you acquire Multi-Family Apartment buildings. Having numerous tenants under one roof optimizes our overall owner experience as it reduces time delays for maintenance and easily attracts dedicated contractors to serve your needs who will work faster with all of their work being done in the same location each day.
This single building style eases your property management challenges and lowers your vacancy risk, while you receive multiple income revenue streams from one building.
We also offer loans through SBA and to people who are not citizens nor residents in the USA, Foreign Nationals. Contact us directly in order to speak about those specifics or any of our loan products.
Ready to get pre-qualified for financing?
Ready to get
pre-qualified for financing?
Browse our large selection of loan offerings to learn more about the different loans we can provide you for your real estate financing goals. You can also schedule your free consultation with a member of our expert staff so we can discover and advise you on a plan for success.
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Ashburn, VA 20147
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