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Take a closer look at the benefits of using a hybrid digital mortgage closing and how it can make your investment property loan process easier and more convenient.  As more and more industries move towards digital solutions, the mortgage industry […] The post BENEFITS OF HYBRID E-CLOSING appeared first on Texas Investor Loans.

What is a Purchase Money Second? When buying a $300,000 home, the first lien position loan generally has the larger loan amount. As an example, the first lien would be $240,000 or 80% LTV. The second is in a less […] The post Purchase Money Second Mortgage appeared first on Texas Investor Loans.

What is a HELOC? A Home Equity Line of Credit (HELOC) is a type of second mortgage that allows homeowners and investors to borrow money against the equity they have in their property owned and receive that money as a […] The post Home Equity Line Of Credit (HELOC) appeared first on Texas Investor Loans.

Condotel Loans Condotels are condos that are run as resort properties and offer amenities such as check-in desks, maid services, room service, etc. Condotels do not meet the guidelines for obtaining “conforming” financing (Fannie Mae and Freddie Mac). We offer […] The post Condotel – Resort, Airbnb, Daily Rentals appeared first on Texas Investor Loans.

What is a Interest-Only Loan? An Interest-Only loan is a loan in which, for a set period of time, the borrower pays only interest on the principal balance, with the principal balance remaining unchanged. A loan may be interest-only for […] The post What is a Interest-Only Loan? appeared first on Texas Investor Loans.

What Is Real Estate Asset Protection? Asset protection in real estate is exactly what you’d expect: it protects you and your investments incase any unfortunate situations arise. The last thing any investor wants after spending his or her hard earned money […] The post Do I Need Asset Protection for My Rental Properties? appeared first on Texas Investor Loans.

Multifamily financing allows real estate investors to purchase or refinance small multi-unit properties with smaller projects with five or more units. Multifamily loans are good for both new and experienced investors. The Small Business loans fill the gap for smaller […] The post Small Multi-Family (5 – 24 Units) appeared first on Texas Investor Loans.

Experienced real estate investors with multiple mortgaged investment properties (Over 10 Loans) and self-employed investors without W2’s often have difficulty meeting conventional loan criteria. Qualified Mortgages (Fannie Mae & Freddie Mac) require the borrowers Credit, Assets, and Income requirements of […] The post Debt Service Coverage Loan – Investment Properties appeared first on Texas Investor Loans.

Are you thinking of hiring a property management company? Then you need to ask the right kind of questions. With the right questions, you stand a high chance of selecting an efficient, effective and reputable property management company. Here are […] The post Questions to Ask Before Hiring a Property Manager appeared first on Texas Investor Loans.

It bears repeating (because most people find it remarkable) — most of our clients buy turnkey rentals from us sight unseen. How can they do it? They get a profession complete a home inspection for Turnkey Rentals. This gives many […] The post HOME INSPECTION FOR TURNKEY RENTALS — 3 TIPS TO BUY WITH CONFIDENCE appeared first on Texas Investor Loans.

When you are selling an investment property can be subject to taxation. Those taxes can add up quickly depending on the type of property, how long it was owned, state taxes, capital gains, depreciation and the owner’s tax bracket. As […] The post Why Consider A 1031 Tax Exchange? appeared first on Texas Investor Loans.

2022 saw a massive shift in interest rates for properties. What started off in the low 3s (for investment properties!!!) moved up to mid-7s and is now back down to around 6%. We’ve heard people talking about the causes of […] The post Interest Rates in 2023: Boom or Bust or Flat? appeared first on Texas Investor Loans.

What Is A Buydown On A Mortgage? A buydown is a way for a borrower to obtain a lower interest rate by paying discount points at closing. Discount points, also referred to as mortgage points or prepaid interest points, are […] The post 3/1 and 2/1 Buydown appeared first on Texas Investor Loans.

What is Turnkey Investing? At its core, turnkey real estate investing is where you buy already rehabbed, tenant-filled, managed properties that are producing positive cash flow. A lot of the extra work that goes into real estate investing is cut […] The post 5 Things You Should Know Before Investing in a Turnkey Property appeared first on Texas Investor Loans.

What Are Reserves? Reserves are liquid or near liquid assets that are available to a borrower after the mortgage closes. On every loan transaction, reserves are required to be verified as part of the approval process. Acceptable sources or reserves […] The post Fannie Mae Reserve Requirements for Investors with Multiple Properties Owned appeared first on Texas Investor Loans.

Highlands’ 1 Year Rate Lock Extended Program! Highlands Residential Mortgage is excited to share our newest way to help buyers in new construction. Our Extended Rate Cap Program will guarantee and protect your client’s interest rate for up to 360 […] The post Should You Lock Your Interest Rate Today IF You Are Building An Investment Property? appeared first on Texas Investor Loans.

Mortgage rates have fallen a great deal this year and millions of homeowners as well as investors might benefit by refinancing even if they bought a home just last year. Mortgage rates moved lower last week even though the broader bond market […] The post Is It Too Soon to Refinance My Mortgage Loan? appeared first on Texas Investor Loans.

A Limited Liability Company (LLC) is an entity created by state statute. Depending on elections made by the LLC and the number of members, the IRS will treat an LLC either as a corporation, partnership, or as part of the owner's tax return (a "disregarded [...] The post Single Member or Joint Member LLC? appeared first on Texas Investor Loans.

NOI in real estate is one of several metrics used by investors to determine how profitable a property is. Most frequently, net operating income is a benchmark used by investors to determine the amount of cash flow and profitability of a potential [...] The post What is NOI in Real Estate? appeared first on Texas Investor Loans.

Once again IRS revenue procedures have been updated. In this case, the changes relate to businesses. These savings may be garnered with an additional deduction of up to 20% of the taxpayers qualified business income, for non-corporate taxpayers, operating through […] The post IRS Revenue procedure regarding Section 199A, it affects you and how you calculate your taxes. appeared first on Texas Investor Loans.