All Forum Posts by: Charlie Gonzalez

Hi Gabe,

Very clean scenario. With me, if your ratio is over 1.0, you get pricing enhancements. Currently, our rates start at 6.5%, specifically for your scenario above. I can run some other quotes for you if you would like. Just so you have another option to consider. Message me if you are interested! See rate grid below:

Hi Sonia,

Where do you reside? Do you currently own any property in the states?

Hi Naveen,

I can do 25% down on a non warrantable condo. Please feel free to message me for more info! All we do is Non QM so we understand the nuances behind condo projects like this. I have brokers in various states where vacation homes run into deductible issues, HOA reserve issues, litigation, just to name a few examples.

 Thanks Carini. Much appreciated. How quickly are you seeing inspectors come out once RFTA is approved?

Hi BP community!

I offer 90% LTV on bank statements, 85% LTV on DSCR, 80% LTV on 2-4 units, 75% LTV for condotels, non warrantable condos, short term rentals and foreign nationals/non perm residents!

Please reach out if you’re looking for more options to diversify your options. Whether you’re an investor, realtor, or mortgage broker, I can help connect you with referrals and teach you how to structure loans to help you succeed.

Hi Dustin,

I can do 15% down on SFR DSCR properties. And 20% down for 2-4 unit DSCR. Rates are in the 7-8% range. I'd be happy to help you out. Please feel free to message me and I can give you rate quotes.

Hi August

unfortunately, that would not elimine the debt from your DTI. If your goal is to keep acquiring investment properties, going the DSCR route for future purchases would be ideal, as they do not report on credit(with me, the lender of course). But if you're looking to purchase a primary or second home conventionally, you don't want to keep buying investment properties conventionally as it will certainly ding your DTI. Buying with a NON-QM program is the best way to go about it nowadays, as 1: it won't report to credit reports, 2: quicker closings 3: it won't ding your DTI . Please feel free to reach out with any questions. I'm a nationwide lender and I have a great base of mortgage brokers and realtors.

Hi David,

With a Non-QM program, you can vest in your personal name at closing. No issues there. And rates are on par with conventional. Quicker turn times and less paperwork. Please feel free to message me and I’d be happy to answer any questions! 

Hi Danny,

Not bad. Our rates are in the 7% range for 20% down though. If you pay the same two points in your scenario, you can get into the low 6% range. If you’re looking to expand your options, please feel free to message me sir!

Hi Shannon,

You need a good reputable Non-QM lender. Luckily I work for a nationwide lender and we can help facilitate these loans for you. We have a number of ways we can structure them too, so you are not forced to qualify one way and one way only. Please feel free to message me and I can certainly help you take your real estate investing to the level you’d like to see.