INVESTMENT PROPERTY LOANS

& FINANCING

Texans Mortgage Group, brings decades of expertise in property lending. Based in Texas, we offer fast and reliable investment property loans to real estate investors across Texas. With over two decades of experience in the field, we understand your financing needs and provide tailored solutions to fuel your real estate ventures. Trust Texans Mortgage Group for swift and trustworthy investment property financing that helps you seize opportunities and maximize returns in the Texas market.

INVESTMENT PROPERTY FINANCING

We make our loan applications quick and simple because we are aware of the needs of real estate investors and want to make sure you have access to your money when you need it. We are aware that, as compared to typical loans offered by banks and credit unions, real estate investors prefer to finance investment property through hard money lenders since we demand less paperwork, which leads to quicker approvals and funding. Since we are not asset-based lenders, we also have fewer requirements.

INVESTMENT PROPERTY LOAN INTEREST RATES

The parameters of the lending situation determine the rates for loans secured by investment properties. These consist of the loan amount, loan term, property location and condition, and the overall investment risk assessment. Since conventional lenders do not finance loans for investment properties and instead concentrate on owner-occupied house mortgages, hard money loans usually have higher interest rates than standard loans. Texas may have cheaper hard-money investment property loan rates than other states. Actually, there is enough competition among Texas hard money lenders to maintain lower rates than in many other US states.

INVESTMENT PROPERTY LOAN REQUIREMENTS

In contrast to traditional lenders, Texans Mortgage Group typically has less stringent loan standards. Among these prerequisites are the following:

Down Payment : For a hard-money loan, this is typically the primary prerequisite. Generally, if the loan is a refinance, a hard-money lender will need enough equity in the property or a sizeable down payment in the region of 25 to 30 percent.
Borrower’s Finances: When it comes to the monthly loan payments, taxes, insurance, and other holding fees for the investment property, the borrowers must demonstrate that they have the money available.
Rental Income: The rental revenue from the property must be able to cover the monthly payment for the financial obligation, or nearly so, for the hard-money lender to approve the loan.
Proof of an Exit Strategy: Hard money loans for investment properties have a brief duration of up to three or four years. Whether the real estate investor intends to sell, refinance, or use other funds to pay off the investment, the lender will need to be assured of a sound exit plan.

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HARD MONEY INVESTMENT PROPERTY LOANS & QUICK CLOSINGS

When partnering with a trusted hard-money lender like Texans Mortgage Group, securing funding for your investment property, it can be as quick as 3 to 5 days. Real estate investors often turn to hard-money loans to swiftly acquire available properties. After obtaining a hard-money loan, borrowers can refinance for longer terms and lower rates, which is especially crucial in competitive bidding scenarios. Sellers prefer offers from investors with hard money loans due to the expedited approval process and reduced complications compared to traditional loans. Experienced sellers recognize that hard-money lenders facilitate faster escrow times, enabling quicker property sales. In some instances, sellers may even accept lower bids, knowing they can sell swiftly with minimal hassle. Choose Texans Mortgage Group for efficient, reliable hard money lending that accelerates your real estate ventures.

RENTAL PROPERTY LOANS & FINANCING

Buying rental property is one of the most well-liked real estate investing strategies. Actually, these kinds of properties are bought by real estate investors with the intention of renting them out to tenants for a price higher than the monthly obligations (principal, interest, taxes, and insurance). Positive cash flow should ideally be received by the property owner from the start, although this isn't always the case. An additional benefit is that the real estate investor will rely on the property's gradual appreciation and will utilize tax advantages to optimize their earnings.

RENTAL PROPERTIES & HARD MONEY LENDERS

For borrowers seeking swift property purchases, hard money lenders provide a rapid solution. With same-day approvals and funding in just a few days, these lenders expedite the process. After securing the loan and acquiring the rental property, borrowers can explore long-term conventional loans for lower rates. When conventional lenders like banks or credit unions decline borrowers due toParagraph various reasons, such as poor credit or recent financial events, hard-money lenders step in. Focused on property value and borrower equity rather than credit history, hard money lenders offer a flexible alternative. Overlooking factors like credit score or past financial issues, they prioritize property value and equity, ensuring efficient loan approvals. Choose hard-money lenders for a streamlined borrowing process and quick property acquisitions.

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RENTAL PROPERTY FINANCING REQUIREMENTS FOR HARD MONEY LENDERS

When seeking a hard money loan for rental property investment, a minimum down payment of 25 percent is typically required, as hard money lenders don't offer 100 percent financing. These loans are easily obtainable with sufficient down payment coverage and property holding costs. Real estate investors lacking cash for down payments can leverage equity from other properties through cash-out refinance loans.

Hard money lenders also assess cash reserves to cover potential expenses like vacancies and repairs. Unlike short-term loans, rental property loans from hard money lenders typically span 3 to 4 years with a balloon payment due afterward. While these loans are amortized over 30 years, lenders prioritize understanding investors' exit strategies, which may involve refinancing or property sale for profit. Secure your rental property investment with flexible financing options from hard money lenders.

REAL ESTATE INVESTMENT LOANS

Texans Mortgage Group provides a wide variety of real estate investment loans to real estate investors in TW. Other popular real estate investment loans include investment property refinance loans and investment property rehab loans.

INVESTMENT PROPERTY REHAB LOANS

Texans Mortgage Group offers versatile investment property rehab loans, commonly known as fix and flip loans, for real estate investors in Arizona. These loans provide investors with the necessary funds to purchase properties swiftly, make essential repairs and improvements, and subsequently sell the properties for profit. With our fix and flip loans, investors receive short-term financing covering both property acquisition and, in some cases, rehab costs.

Especially sought after in robust real estate markets, rehab loans cater to investors capitalizing on increasing property values. Additionally, Texans Mortgage Group provides fix and hold loans, enabling investors to purchase, rehabilitate, and rent out properties. Typically, investment property rehab loans feature a 12-month loan term, while fix and hold loans extend closer to 3 years. Partner with Texans Mortgage Group for tailored financing solutions that fuel your real estate investment endeavors in Arizona.

INVESTMENT PROPERTY REHAB LOANS

Texans Mortgage Group specializes in assisting real estate investors with investment property refinancing solutions in Texas. Whether investors seek to optimize existing property equity or access cash for new ventures, our refinancing options cater to diverse needs. We offer both standard investment property refinance loans and cash-out refinance investment property loans. Refinance loans provide borrowers with lower interest rates and extended terms, particularly beneficial when existing loans are nearing maturity. With cash-out refinance loans, borrowers can efficiently leverage equity from their current properties to reinvest in additional ventures. Trust Texans Mortgage Group for expert guidance and flexible refinancing options that empower your real estate investment strategies in Texas