All Forum Posts by: Vivienne Affat

Looking to expand your portfolio or renovate? Cash-out refinancing could be your ticket to more capital without selling your properties. 

What is Cash-Out Refinancing?

Cash-out refinancing allows you to refinance your existing mortgage, pulling out a portion of the equity you've built in your property, and convert it into cash. This cash can then be used for:

• * Buying additional investment properties
• * Renovating existing properties
• * Paying down high-interest debt
• * Or any other investment opportunity you want to explore

Contact me for more details

☎️505-228-2777
📩[email protected]

Quote from @Shawn Callan:

Am I missing something? I'm struggling to see how I can afford to get into a second house with my current DTI. I own a house that I am living in with a VA loan and want to buy a different home and move into that as my primary residence and rent out my first home. But when I quickly run the numbers it doesn't add up. I owe 400K on my current home and would be looking at 450K for a new primary. That's 850K worth of debt. If I could rent my home for $2,500 (I hear lenders could take 75% of that projected income?) plus my monthly W2 income I get $8,675 (2500 X .75 plus 6800). My current monthly mortgage payment plus projected future mortgage payment (2900+2900 = 5800). So I would have debts of $5800 divided by $8,675 gives me a DTI of 67%. I do have money for a down payment, but I fail to see how I could make this work? Is my math wrong or is there another better way to do this? Any thing helps!!

It looks like you're on the right track with your math, but a couple things could help. First, keep in mind that some lenders might let you use more than 75% of the rental income, especially if you have a solid rental history or property management in place. Also, your DTI can sometimes be more flexible depending on your credit score or reserves, so it's worth asking the lender about that.

If your DTI is still too high, try looking at ways to lower your monthly payments or increase your rental income. Could you get a higher rent for your current home? Or maybe consider putting more down on the new place to lower the mortgage? You could also explore other loan programs that work better with higher DTIs, or even pay down some of your current debt. It might take some adjustments, but you're not far off from making this work!

DM for details or if you need verification. 

☎️505-228-2777
📩[email protected]

#RealEstateInvestor #ClosingDeals #ProofOfFunds#SterlingProgress

We offer financing for all your investment needs:
🔨 Fix & Flip Loans
🏠 Long-Term Rental Loans
💸 Cash-Out Refinances

Fast approvals, great rates, and a team that’s here to help you succeed. Let’s make your next deal happen!

Contacts me to learn more.

☎️505-228-2777
📩[email protected]

I'm Vivienne, and I work with private lenders and hard money lenders. I'm looking for investors who have deals under contract. We offer the following financing options: Fix and Flip Loans, Bridge Loans, Buy and Hold, Land Acquisition and Construction, Long-Term Rental Loans, Refinancing, and DSCR Loans.

Call or DM me with your deal under contract to receive a free, no-obligation quote.

☎️505-228-2777

📩[email protected]

Quote from @Saint Kyle:

I am seeking a private or hard money lender to finance the acquisition and rehabilitation of a single-family home in Youngstown, OH. The property is currently under contract.

If you are interested in discussing this investment opportunity further, please contact me.

Thank you.

I'm interested about your deal and might be able to help. Let's connect. 

Hi BP Community,

I’m currently offering private loans for real estate projects—whether you're flipping, buying rental properties, or looking for new development opportunities. I work with investors who need fast, reliable funding and flexible terms. If you're looking for a lender who understands the needs of real estate deals, let’s connect!

☎️505-228-2777

📩[email protected]

Quote from @Shaylynn O'Leary:

I am currently looking at my first investment property. The property needs to be rehabbed. Initially we thought we would flip, but now we're thinking of holding and using the equity for future investments. What formula or criteria do you use to decide whether to flip or to hold? I'm interested in hearing different perspectives. Thank you.

When deciding whether to flip or hold an investment property, I look at a few key factors. For flipping, I focus on the after-repair value (ARV), renovation costs, and potential profit margins—usually aiming for a 20-25% return after all expenses. If the property is in a good rental market, with solid cash flow potential and the ability to build long-term equity, holding might make more sense. I also consider factors like interest rates, property appreciation trends, and my long-term investment goals. It's all about balancing immediate profit versus long-term wealth-building potential. 

Investing in rental properties? Get the financing you need with our long-term rental loans! With low rates and customizable terms, we can help you take your portfolio to the next level. Let’s connect today and make your real estate goals a reality

☎️505-228-2777

📩[email protected]

Whether you’re refinancing or diving into a new project, I’m here to support you with personalized financing options.
Take the first step towards your investment goals—message me now to get started!
☎️505-228-2777
📩[email protected]