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Investment Lenders

Atlantic Bay

        Conventional Loan:       
Purchase 15% - 20% down payment 1 unit
Purchase 25% down payment 2-4 units
Limited Cash out refi up to 75% LTV 1-4 units
Cash out Refi up to 75% LTV 1 unit
Cash out Refi up to 70% LTV 2-4 units

        Eligible Property Types:               
1-4 unit Single Family Residence
Condominiums must meet requirements of Fannie Mae or Freddie Mac

          Ineligible Property Types:          
Manufactured Homes
Condo Hotels
Properties in C5 or C6 Condition

DSCR  Debt Service Coverage Ratio Loan

Keller Home Loans

Keller Home Loan Wealth Builder Loan program is tailored to investors who are self-employed or have difficulty qualifying for traditional financing due to high debt-to-income ratios. By focusing on the property’s ability to generate income, we provide a financing solution that looks beyond your personal credit and income history.

  • Down payments as low as 20%

  • Credit scores as low as 640 FICO

  • Minimum loan amount $100k

  • Maximum loan amount $2M

  • No personal income required to qualify and no tax returns

  • Borrowers qualify based on rental analysis to determine property cash flow

  • Residential properties only

  • 1-4 Unit Properties

  • Properties can be in LLC’s name

  • Pre-payment penalties may apply

        Conventional Loan:       

Standard with 20% down

Truist Bank


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