7 September 2025 | 160 replies
But I'm afraid of DSCR 1.05 with syndication of 5Y IO 75%LTV.At the end of the day it's market return that's important and not the cash flows.
19 August 2025 | 26 replies
You've also got the option to take interest only financing on this between 1-10 yrs - rate add on of .25%, if you go the i/o route.
12 August 2025 | 4 replies
Also, setting up smart home devices like keyless entry and cameras can help manage remotely.
8 August 2025 | 7 replies
@Mike Moran - The 10 year I/O and 20 year AM is very doable.
4 August 2025 | 14 replies
If you look at what you posted, a few lines below where you crossed out a few things in red, it says loan program: optimum 10/1 IO ARM (10 Year IO period).
7 August 2025 | 16 replies
So you can cashflow with traditional financing if you buy at a cheap enough price or if you get some below market financing terms (seller financing fixed at 4-5% and negotiate a balloon payment or IO for a period)If you can't cashflow enough then you need to capture enough equity to be able to flip relatively soon or break even with cashflow.
2 August 2025 | 4 replies
As of today, rates are in the mid 5.00% - low 6.00% range for max leverage (1.20x DCR / 30-year am), 5-10 year term (partial term IO), non-recourse loans with yield maintenance prepayment structures (prior to any rate buydown).
2 August 2025 | 3 replies
Freddie Mac Small Balance LoansLoan Purpose: Permanent Financing (Refinance & Acquisition) Loan Proceeds: $1,000,000 - $7,500,000Loan Sizing: 70-80% LTV; 1.20x-1.40x DCR; 30-Year AmortizationLoan Term: 5-10 Year Term (Fixed), 10 or 20 Years (Hybrid ARM)IO Term (PTIO): Partial Term IO @ 70-80% LTV; 1.20-1.40x DCRIO Term (FTIO): Full Term IO @ 60-65% LTV; 1.35-1.55x DCRRate Types: Fixed & Hybrid ARMRate Lock: Rate Lock @ ApplicationRate Structure: CouponRate (Est): Mid 5.00%’s - Low 6.00%’s (Assumes Mission Driven)Non-Recourse: Non-Recourse w/ “Bad Boy” CarveoutsPrepayment: Standard - Greater of YM or 1.00%Flexible Prepay: Flexible Options – Stepdown & Extended Open/Par Periods Rate Buydowns: Yes – Rate Buydowns Available Up to 2.00%Assumable: Yes – Assumable LoanCash Out Refi: Yes – Cash Out Refi OK Fannie Mae Small LoansLoan Purpose: Permanent Financing (Refinance & Acquisition) Loan Proceeds: $1,000,000 - $9,000,000Loan Sizing: 80% LTV; 1.25x DCR; 30-Year AmortizationLoan Term: 5-30 Year TermIO Term (PTIO): Partial Term IO @ 80% LTV; 1.25x DCR IO Term (FTIO): Full Term IO @ 65% LTV; 1.35x DCR Rate Type: Fixed RateRate Lock: Rate Lock @ Loan CommitmentRate Structure: U.S.
4 August 2025 | 0 replies
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4 August 2025 | 9 replies
I’d recommend using a noise monitoring device.