1st Florida Lending Corp., a registered Mortgage Lender Orlando servicing only the State of Florida, offering over 48 loans programs including Conventional Loans, Non- Conforming Loans, FHA Loans, VA Loans, USDA Loan, Self-Employed Loans, Bank Statement Loans, No-Doc Loans, Reverse Mortgage Loans, ITIN Loans, Rental Investment Loans, to name a few and specializing in Bank Statement Loans or “stated loans” requiring no Tax Return verification and much more. * No broker or lender fees are for FHA,VA, USDA and Conventional loan types Main Office: 2151 Consulate Dr. * Suite 8 * Orlando, FL., 32837 * Telephone * (800)856-7097 * (800) 655- 1345 * (407) 300-2558 * Fax (877) 401-9955
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* Disclaimer: All Loan programs, rates and terms can change without notice and are subject to credit and underwriting approval. Loan charts highlight min/max constraints, assumptions & random scenarios only. We will always work hard to approve your loan but there are no guarantees of any kind expressed or implied that any loan we be approved. Licensed in Florida Only. When Banks Say No ! We Say YES ! ® is a registered trademark owned by 1st Florida Lending Corp. Florida lender license # MLD106. © 2007 - 2023 1st Florida Lending Corp. - All rights reserved
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INVESTOR RENTAL INCOME LOANS
Real Estate Investment Loans Obtaining an Investment Property Loan can help take your real estate investing needs to the next level. Investment property loans typically have a higher barrier of entry and have higher interest rates. Of all kinds of residential rental properties, the single-family home offers the lowest interest rate. An investment property loan will help you purchase a home that you can then use to rent out, flip of sell for profit. Investment property loans typically have a higher barrier of entry and have higher interest rates. Of all kinds of residential rental properties, the single-family home offers the lowest interest rate. No Income or Employment Verification to Purchase or Refinance an Investment Property At 1st Florida Lending we offer Alternative Options to Qualify for Investor Loans for Single Family Properties, Multiple-Family, Condos both Warrantable and Non-Warrantable Purchases, Rate & Term Refinance and Cash-Out Refinance We offer long-term or a short-term programs tailored to your budget and needs. Investors and Rental Properties Mortgage requirements are different from that of a primary home buyer. At 1st Florida Lending we understand investment financing and make it easy to obtain funding using different sources of income. Cash-Out Refinance We offer long-term or a short-term programs tailored to your budget and needs. Investors and Rental Properties Mortgage requirements are different from that of a primary home buyer. At 1st Florida Lending we understand investment financing and make it easy to obtain funding using different sources of income. Please review some of the options listed below Program Summary You can Purchase, Refinance or Cash-out Refinance your Investment Property with No Income or Employment Verification. We qualify your loan based on the current rental income or in the event their is no rental income. We rely on the Appraisers estimated rental income for that area. Now anyone can purchase or refinance rental investment property! Highlights • 85% LTV for Purchase / Rate and Term Refi • $150,000 up to $5 Million Loan Amount • Up to 80% LTV Cash Out Refi • No Ratios to 80% LTV • Down to 620 Credit Score • Single Family Residential,Multi-Family, Condos and Townhouses • Non-Warrantable Condos - OK • Investment Properties Only • No Limit on Financed Properties • Gift Funds Allowed • Low rates As Florida’s real estate market continues to explode, more and more investors are capitalizing on low entry real estate purchases. Obtaining capital from a traditional bank will only get you so far. As a private money lender, 1st Florida Lending can open up your opportunity to invest in more Florida rental properties. Investors and Rental Properties Purchase or Refinance Rental Property with No Income or Employment Verification. Anyone can purchase or refinance rental investment property based on rental income only. If there is no rental income. Qualify based on the Appraisal Estimated Rental Income. HIGHLIGHTS • No income or Job verification • Non-Owner Occupied Only • Single Family Residential,Multi-family up to Units,Condos,Townhouses,Condotels and Non-Warrantable Condos • Terms: 30-Year Amortized & Term - 5/1 or 7/1 ARM or 30-Yr Fixed • Minimum Loan amount $150,000 up to $2M • 25% Down Payment • Floor Rates start as low as 3.875% (based on down payment) Vacation Investment Property • Beach or ski rentals can yield the equivalent of a month’s long-term rent in a week. • Vacation rental services can supplement and even a few nights a month can add up to the mortgage being covered • You can use when you wish College Investment Property • Almost always a demand • High rents because college-owned competition charges top dollar • Rental market is calculated with each individual tenant’s share compared against dorm or college-owned apartment rates (as opposed to one rate for entire property) • The area markets itself • You can have property do double duty if you buy where your children plan to attend school • Rent short term during summer or off season for orientation, summer school, sports competitions, etc. Long-term Investment Property • Steady tenants, sometimes for years, allow you to know and trust who is caring for your home and build equity • Low turnover can help you anticipate repairs (tenants have proven they won’t damage property, but regular upkeep will still be necessary) • It can be a “passive investment.” If management company is utilized, it can handle all leasing, tenant interactions and repairs. • Track market and sell when it’s most advantageous
407-300-2558
We offer over 48 loan programs in every county in the State of Florida as follows; Alachua County,Baker County,Bay County,Bradford County,Brevard County,Broward County,Calhoun County,Charlotte County,Citrus County,Clay County,Collier County,Columbia County,DeSoto County,Dixie County,Duval County,Escambia County,Flagler County,Franklin County,Gadsden County,Gilchrist County,Glades County,Gulf County,Hamilton County,Hardee County,Hendry County,Hernando County,Highlands County,Hillsborough County,Holmes County,Indian River County,Jackson County,Jefferson County,Lafayette County,Lake County,Lee County,Leon County,Levy County,Liberty County,Madison County,Manatee County,Marion County,Martin County,Miami-Dade County,Monroe County,Nassau County,Okaloosa County,Okeechobee County,Orange County,Osceola County,Palm Beach County,Pasco County,Pinellas County,Polk County,Putnam County,Santa Rosa County,Sarasota County,Seminole County,St. Johns County,St. Lucie County,Sumter County,Suwannee County,Taylor County,Union County,Volusia County,Wakulla County,Walton County,Washington County