How do I find the best investment property financing?
The investment property financing you select is as important as the investment property itself. Banks will loan up to 100% of a property's appraised value, making real estate a unique and powerful source of wealth creation. Creative financing for non-owner occupied properties can provide both immediate cash flow opportunities as well as long term gains through appreciation and leveraging.

About Investment Property Financing

aj_server = 'http://rotator.adjuggler.com/servlet/ajrotator/'; aj_tagver = '1.0'; aj_zone = 'ltk'; aj_adspot = '315966'; aj_page = '0'; aj_dim ='286700'; aj_ch = ''; aj_ct = ''; aj_kw = ''; aj_pv = true; aj_click = ''; An investment property is purchased to generate profit though capital gains or rental income. In general, those who purchase investment properties do not live on the premises, as the property is for investment purposes only. While most investors have extra cash to spare, they do not normally have the cash needed to buy investment properties outright. This is where financing comes in.
Investment property financing is usually in the form of a loan. In some cases, investors may be able to borrow money from a friend or family member, but more often than not, loans are obtained through banks, mortgage brokers, or another lending company. To qualify for investment financing, you will need good credit, an investment plan, and in some cases, collateral.

Obtaining Investment Property Financing

Obtaining appropriate financing requires some planning on your part. Because your lender will become your business partner, you will need to convince him or her that the property is a worthy investment. Here are a few questions that you will need to have answered before visiting the lender:

• What are you borrowing the money for?
• How much do you need to borrow?
• How good is your credit?
• Can you afford to repay the loan?
• How long will it take you to repay the loan?
• Are there any assets you can pledge against the loan?
• How do you plan to make a return on this investment?

If you have properly researched the property, then answering these questions and convincing a lender to loan you money should be an easy task.

Choosing a Lender

High lending fees and interest rates can eat into your profits. This is why it is very important to choose the right lender. There are many companies that now specialize in financing investment properties. You may want to consider working with one of these lenders, as they will be most familiar with the type of financing that you need. You may also want to consider looking for a loan online. The online lending industry has become very competitive, which will be to your benefit when securing investment financing.

Types of Investment Properties

Real estate investment is quickly gaining in popularity. Many people find that this type of investment brings the larger returns than the average investment. In addition, investment property financing is relatively easy to obtain, making this type of investment perfect for the average investor.
If you are interested in purchasing an investment property, you will want to learn as much as you can about the location of the property and your chances of financial gain. If the property is not a worthy investment, there is no sense in pursuing it.
If you are not sure where to start, you may want to consider the types of properties that are popular among established investors:

• Condos or Apartments
• Single-Family Homes
• Commercial Property
• Fixer-Uppers
• IRS Properties
• Foreclosed Homes and HUD Properties

Before making any decisions, you should carefully evaluate all of these options. Researching each opportunity will help you determine what type of investment property is right for you.

Tax Considerations

An investment property can have a dramatic effect on the amount of income tax that you pay. There are also state and local property taxes that must be considered. In some cases, the taxes paid are deductible and in some cases they are not. The same goes for the payments that are made on your investment property financing. To learn more about these tax considerations and deductions, visit the official IRS website

Buy an Investment Property With a Smaller Down Payment

• We have several choices for an investment property loan that require little down payment so that you can have more money to use toward repairs or remodeling your investment property.
• Whatever your investment goals, we can get you a mortgage that best fits your situation and maximize the return on your investment.

More Bargaining Leverage than Other Buyers

• Quicken Loans can get you approved for an investment property loan before you begin your property search. If your financing is already approved, you'll be able to purchase the best investment property for your money. Quicken Loans allows you to invest in properties with up to four units.
• Need a real estate agent to help you throughout the process? Use our nationwide network of real estate agents to help you find an agent in your area.

Many of my clients are converting from fully amortizing payments to an interest only approach with a significantly lower monthly payment. I have some extensive information available. Read more to see if this powerful tool could work for you.
I have a page on how to calculate your 95% investment property financing qualification ratios.
In 2008, Short Sales are where most of the action in real estate is. Learn more about Short Sales
Limited and No Documentation loans are available.
Read more about 95% investment property financing Closing Costs
Rehab programs for non owner occupied property
If your interest is in foreclosure property as a real estate investment, visit my foreclosure page for information and links to property resources.
If you are looking at foreclosure property as an investment, I have a free report available by email. Request a Good Faith Estimate before you apply.
Here are my thoughts on the difficulty of "flipping" investor properties.
For the the greatest flexibility and maximum loan qualifying ratios, you may be interested in the Cash Flow ARM.
Learn more about investing in real estate
New! I have added a page on how to properly compare different investment property that may be helpful to you
I have a page on documentation requirements.
Learn more about commercial loans
Learn about closing in an LLC
var addthis_pub = 'bgammache';  
RealProspect - Direct mail automation, prospect management and scheduled follow-up software for creative real estate investors!
As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your consumer and mortgage debt is structured today can have a life changing effect in the years to come.  Read more about this free, no obligation service.
New! View my Wealthbuilder presentation and learn the safe way to manage your debt and fund your retirement.
I hope the information on this page was useful to you. Please scroll down to view my Mortgage Market Guide. It is a weekly publication explaining the financial markets from a consumer's perspective that is available on this website or by email subscription. I have nearly 8,000 subscribers today and would be happy to have you as well. Your email address will never be used for any other purpose.

Membership in our investor network provides you with access to unique opportunities normally available only to select investment professionals. Confidence comes from knowing Guardian invests with you, participating in each and every transaction we recommend to our network.

Guardian connects qualified investors* with quality companies that provide compelling investment opportunities with significant upside potential.

To learn more about our investor network, please fill out this form and a representative from Guardian will contact you shortly.

Your Information (kept confidential)
________________________________________
Title: n/a Mr. Mrs. Mrs. Dr.

First Name:
Last Name:

Company:

Email:

Address:

City:
Prov / State:

Country:
Postal / Zip:

Area Code:
Phone:

Messages, Comments and Questions
________________________________________