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
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Eligible Property Types:
1-4 unit Single Family Residence
PUD
Condominiums must meet requirements of Fannie Mae or Freddie Mac
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Ineligible Property Types:
Manufactured Homes
Co-Ops
Condo Hotels
Timeshares
Properties in C5 or C6 Condition
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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