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
PUD
Condominiums must meet requirements of Fannie Mae or Freddie Mac
Ineligible Property Types:
Manufactured Homes
Co-Ops
Condo Hotels
Timeshares
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.
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Down payments as low as 20%
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Credit scores as low as 640 FICO
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Minimum loan amount $100k
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Maximum loan amount $2M
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No personal income required to qualify and no tax returns
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Borrowers qualify based on rental analysis to determine property cash flow
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Residential properties only
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1-4 Unit Properties
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Properties can be in LLC’s name
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Pre-payment penalties may apply