80% LTV Investor Loans

[Jesse Hinaman]

Anyone doing or have lender recommendations for 80% LTV Investor Loan? Looking for rates comparable to 75% LTV Investment Loan. Seems that 75% LTV is the highest I can find. I know there's got to be some lenders out there doing 80%. Any recommendations would be greatly appreciated.

[Jesse Hinaman]

To clarify, this would be a refinance loan and not a purchase loan.

[Account Closed]

Jesse Hinaman where is property located?

[Jesse Hinaman]

@Account Closed

Property is located in Sacramento , CA

[Charlie Fitzgerald]

Hi Jesse,

Can you give me some more details on the transaction?  You can email it to me, or, use the request for quote function on my website.  I'll do what I can.

[Stephanie Garcia]

I heard Patelco Credit Union might if you have good credit I think.

[Minka Sha]

Jeff Meade from Paramount Equity. Great guy and closed mine fast. Private message me and I can send you his contact information. 

[Jake Weir]

@Jesse Hinaman 80%LTV should not be a problem for a SFH under normal circumstances...multi family may be more difficult to do at 80%. Last time I talked to a lender 75% was typical w/o a rate adjustment.

[Drew Castleberry]

I haven't been able to find ANY lenders that do a 75% LTV on a refinance. On the initial purchase, no problem, but regardless if it's a normal refi or a cash out, everyone I've talked to its 75%. You might have some options for commercial, but that's a bit trickier with other requirements.

[Chris Vail]

I just finished a refi on my rental and best I could do was 75% LTV, new purchase was 80% LTV no problem but refinancing for whatever reason I was only given the option of 75%. Something to think about going forward for myself will be to factor in the lower amount when analysing a deal and how much of my money will be left in a deal after all is said and done.

[Chris A.]

Hi Jesse

What kind of asset or real estate product is the investment for?

[Henry Y.]

Could "investors loan" lend to LLC name or individuals only?

[GR Blanke]

I have no problems doing a rate and term 80% 1-4 family investor loans. Cash out is a different story (75%) We also will do a refi on a fix and hold after 90 days...100 % of purchase loan(s) and rehab cost. We do 20% down investor on single families, 2-4 flats.

[Jay Gregory]

I know this thread is old but I have the same need in Indiana. I'm seeking options and to build relationships with new lenders. Do any of you lend in Indiana? Thanks

[Kevin Dougherty]

Looking at the majority of our loan products available, 75% is the max currently on Refi's.

The lenders learned many valuable lessons from the last credit cycle and one of the lessons was:

when the markets make corrections and they always do, the property values will go down so lenders are insulating their exposure.

[Account Closed]

@Jesse Hinaman Hiney man! I've got a commercial lender that'll do that for you if the property meets cash flow requirements. He doesn't care if it's a residential property, he'll still get commercial financing on it.

Here's the breakdown:

25 year am, 5 yr balloon, 5.75 or so rates, very low fees, 80% LTV

Text me for his info

[Jesse Hinaman]

LOL. Thanks @Account Closed. Funny looking back at these old threads. A lot changes in 3 years, huh ;) I’ll shoot you a message. Need to get together soon and discuss our plans to take over the world :)

[Jason Haddad]

@Elliott Elkhoury

Hi Elliot

Could you send me the contact info for the lender that does 80% LTV? I'm in desperate need on my first priorty I just rehabbed.

Thank you!