SFR 1-4 Investment
Property Loans
Insignia Mortgage excels in crafting specialized loan programs for residential property investors and high-end developers. Our expertise in the real estate investment sector, combined with robust relationships with local lenders, enables us to offer both stated income business purpose and no-tax return loan options. These programs are customized to align with the financial profiles of our clients, focusing on property cash flow, valuation, and comprehensive financial analysis.
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We understand the unique needs of real estate investors. Our approach leverages diverse underwriting methodologies to identify the best fit for your financial landscape. Whether prioritizing property cash flow or incorporating a broader financial overview, our goal is to secure highly competitive interest rates for you.
Our lending partners accommodate direct loans to LLCs, limited partnerships (LPs), or corporations and offer interest-only adjustable- rate mortgages (ARMs) with flexible cash-out options.
Our interest-only loans are designed to significantly enhance property cash flow, with most programs carrying no prepayment penalty and fixed rates ranging from 3 to 10 years, typically on a 30-year term.
Key Features:
- Custom Loan Structures: Including interest-only, cross-collateralized, and blanket loans.
- Loan Range: $500,000 to $25M, catering to 1 – 4 unit single-family residences.
- Flexible Ownership: Loans available to LLCs, limited partnerships, corporations, and irrevocable trusts.
- Cash-Out Options: Up to 60% of appraised value, with no cap on cash-out proceeds.
- No Prepayment Penalty Options: Providing flexibility for your financial strategy.
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DSCR loans streamline the application process by eliminating the need for tax returns, focusing instead on your credit score and the property’s rental income. This loan type is ideal for vacation rentals and investment properties, offering up to $15 million in financing.
Our programs include interest-only ARMs and can be structured with or without prepayment penalties, supporting various vesting structures such as LLCs, corporations, or limited partnerships.
Key Features:
- Custom Loan Structures: Including interest-only, cross-collateralized, and blanket loans.
- Flexible Ownership: Loans available to LLCs, limited partnerships, corporations, and irrevocable trusts.
- Cash-Out Options: Up to 60% of appraised value, with no cap on cash-out proceeds.
- No Tax Returns Needed: Qualification based on property cash flow or comprehensive financial review.
- No Prepayment Penalty Options: Providing flexibility for your financial strategy.
Insignia Mortgage is dedicated to serving the sophisticated needs of residential property investors and developers. Our bespoke loan solutions, from interest-only options to DSCR loans, are designed to support your investment goals.
Contact us to explore how our tailored financing can empower your next investment venture.
Elevating Your Real Estate Ventures with Specialized Fix & Flip and Bridge Financing For REal Estate Investors and Developers
Insignia Mortgage stands at the forefront of facilitating your real estate investment success, particularly through our specialized fix & flip and bridge financing solutions. These financial tools are crafted to support the ambitious goals of real estate investors and developers, offering the agility and adaptability required in the fast-paced real estate market.
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Why Choose Insignia Mortgage?
Efficiency
Leverage our mastery of automated underwriting systems for faster approvals and smoother transactions.
Flexibility
Loan amounts up to $1,149,825 in select counties, with options for co-signers and up to 97% LTV financing.
Accessibility
Down payment gifts allowed, no closing cost options, and credit scores starting at 620.
Tailored Financing for Residential Property Investors and Developers
IInsignia Mortgage excels in crafting specialized loan programs for residential property investors and high-end developers. Our expertise in the real estate investment sector, combined with robust relationships with local lenders, enables us to offer both stated income business purpose and no-tax return loan options. These programs are meticulously designed to align with the financial profiles of our clients, focusing on property cash flow, valuation, and comprehensive financial analysis.
Loan Transaction Spotlight
The Situation: Insignia Mortgage successfully located financing on a $4.5 million interest-only rental property loan for a luxury rental property in Newport Coast, CA. The lender took into consideration the property’s rental income, as well as the borrower’s income statement and real estate assets in making the loan. The borrower was coming out of a 1031 exchange and needed to close quickly. The borrowing entity was an LLC. The borrower faced severe tax consequences if he did not close within 25 days.
The Solution: Insignia Mortgage found a regional lender to provide a 65% adjustable rate mortgage with interest only. The loan was fixed for 5 years, carried a 30-year term, and was free of any pre-payment penalties. We closed in less than 25 days.
The Loan Details:
- $4.5 million dollar interest only ARM loan.
- 70% LTV.
- 5.883% APR
- The borrower was an LLC. The guarantor was an individual.
- No prepayment penalty.
- 21-day close of escrow.
From my early career as a sales associate through my years as the owner of a successful Los Angeles-based real estate company, I gained solid respect for the important role a mortgage lender plays in the successful purchase of a residential property. In my experience, Insignia Mortgage consistently accomplished what others could not. I not only use the firm for my personal finance needs but unhesitatingly recommend Insignia to my friends and colleagues.
John Aaroe, Owner, John Aaroe Real Estate
I have done business with Chris Furie for over 20 years and I look to Chris and Damon to source financing on my most complex transactions that require an out-of-the-box lending solution.
Kurt Rappaport, Westside Estate Agency, Wall Street Journal #4 Ranked Realtor 2013
I want to thank you for your help in getting me my loan. You not only got me a great loan that I’m very happy with, but you stayed on it from beginning to end and made me feel very comfortable through the process. You are the best in the business and I would suggest you to anyone buying a house.
Jay Luchs, Newmark Grubb Knight Frank
For over 14 years, I have used Chris’ services to obtain mortgage loans for many of my high-end clients as well as my own mortgage needs. He consistently provides the best terms and rates available in the market place. I will continue to recommend him to my friends and clients in the future.
Joyce Rey, Executive Director Coldwell Banker Previews International
Chris is highly attuned to the needs of the borrower and tailors his loan recommendations accordingly. No matter how complex the terms may be, I can always count on Chris to deliver my clients the best deal possible, on time and without fail.
