Investment Property Financing

(1-4 units)

We offer investment loan programs:

       Our investment financing is designed for the true no income documentation borrower as well as for those who qualify with income tax returns.

       On all our investment loan programs, we offer interest only options to maximize cash flow. Ultimately, we utilize all our resources to strategize the perfect solution and the right deal for your situation.

Investment Property Loan Qualifications

Income Tax Returns

With two years of income tax returns and proof of funds, our full income documentation program will provide the most favorable rate and term with the least fees.

Business / Personal Bank Statements

To qualify for an equivalent full income documentation loan for self-employed borrowers, we request 12 or 24 months of business and or personal bank statements to show proof of income. We calculate and average the deposits made to qualify which allows for a lesser down payment at the most favorable rate and term.

No Income Tax Returns – Rental Income Qualifying

To qualify for our no income documentation loan, we calculate the rental income from the investment property to qualify for the loan. This allows for the borrower’s income to be unnecessary to obtain loan approval. If the rental income does not cover the monthly payment, we are able to approve the borrower under our “No Ratio” loan program.

No Ratio Loan

There is very little documentation needed on our “no ratio” loan programs since we do not use the borrower’s income or the income from the rental property to qualify. The value of the property and the borrower’s credit scores are what determine the loan to value and the rate and term.

Investment Property Financing

(1-4 units)

We offer investment loan programs:

       Our investment financing is designed for the true no income documentation borrower as well as for those who qualify with income tax returns.

       On all our investment loan programs, we offer interest only options to maximize cash flow. Ultimately, we utilize all our resources to strategize the perfect solution and the right deal for your situation.

Investment Property Loan Qualifications

Income Tax Returns

With two years of income tax returns and proof of funds, our full income documentation program will provide the most favorable rate and term with the least fees.

Business / Personal Bank Statements

To qualify for an equivalent full income documentation loan for self-employed borrowers, we request 12 or 24 months of business and or personal bank statements to show proof of income. We calculate and average the deposits made to qualify which allows for a lesser down payment at the most favorable rate and term.

No Income Tax Returns – Rental Income Qualifying

To qualify for our no income documentation loan, we calculate the rental income from the investment property to qualify for the loan. This allows for the borrower’s income to be unnecessary to obtain loan approval. If the rental income does not cover the monthly payment, we are able to approve the borrower under our “No Ratio” loan program.

No Ratio Loan

There is very little documentation needed on our “no ratio” loan programs since we do not use the borrower’s income or the income from the rental property to qualify. The value of the property and the borrower’s credit scores are what determine the loan to value and the rate and term.

“Gary, how much whiskey do you want to make for all the pain of funding our impossible loan?! You are the MAN!”

-Barry

“Great experience using Paul after working with other lenders who strung me along and tried to switch things at the end. He got me the 30 year fixed rate I was looking for and walked me through every step of the way. Definitely my mortgage guy from here on out.”

-Garcia M.

“We are now debt-free because of you! Last night was the first night my wife and I slept through the night in peace. We want to thank you from the bottom of our hearts for your positive attitude and reassurance throughout the loan process.”

-Tom & Melissa

“I can’t recommend Paul highly enough. Paul was able to get me a loan when no one else could. Throughout the loan process, Paul was very attentive and answered emails and phone calls immediately, and he was always friendly, professional, and organized. Going forward, I will only work with Paul for my loan needs.”

-Pamela M.

“What do you want for Christmas?  Seriously, I would like to buy you a beer someday, because you could’ve walked away from this one a LONG time ago.  This speaks to either my persistence or your genuine desire to help.  And I’m thinking the latter. So, the words seem inadequate, but thank you. You really did save us!”

-Brian F.

“Excellent service and creativity. We needed a lender who could think outside of the box and get us the cash we needed. I would definitely recommend Paul.”

-Nazila M.

“You are our HERO! We have been renting for 12 years and never thought we could buy a home. Today we are officially home-owners! YEAHHHH! We will have you over to the house for dinner. Cheers!”

-Eric & Robin

“I was looking for a bank that could accommodate a stated income loan which has long been gone since the 2008 crash. Mr. Tropp at American Financial offers many other type of loan programs including the bank statement program which worked for me. He made the process simple and kept me informed every step of the way. While the interest rate was not the lowest out there I understood that this was the best loan for my situation.”

-Darrel B.

“Great Gary. After getting denied at B of A and Wells Fargo, I cannot believe I qualified without tax returns. Because of you I am now able to own my first home. I will recommend you to everyone I know.”

-Peter

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No Tax Return

Cash-Out Debt Consolidation

Interest Only

Apartment & Commercial

Traditional, FHA & Jumbo

Reverse Mortgages