Realtor​​​Investor Services, LLC
  • Home
  • Lender 1
    • Fannie vs REIS
    • Long Term >
      • Rates
      • DSCR
      • Reserves
      • Q&A
      • Application
    • Fix & Flip >
      • Property
      • Loan Programs
      • Terms & Guidelines
      • Hard Money Lending
      • Q&A
      • Application
    • The Pros >
      • Raleigh Mortgage Group
      • Stephen Bailey - Attorney
    • Articles >
      • Understanding DSCR
      • Should You Conform?
      • Rent Check Services
      • College Town Investments
      • Generation Z
  • Rentals
    • Rentals Properties Under $150,000
    • Beach Rentals >
      • Duneridge
      • Shell Island
  • Contact Us
Fix & Flip 
Financing Program for the Investor
Picture

Questions & Answers

Will you roll the costs of the loan into the loan? 

Yes.  We help you conserve your needed cash.
What states do you lend in?

Loan programs are currently available in  AZ, CO, DC, FL, IL, MD, NC, TN, TX,  VA & WA  with additional availability coming soon. Check to see if your state is now available.


What loan products do you specialize in? 
 
We specialize in financing investor rehab properties or other discounted sales where the borrower is purchasing a property at a steep discount to market, repairs the property, and then resells the property for a profit within six months. 


HOW DO YOU DETERMINE MY INTEREST RATE?

​How do I pre-qualify for a loan? 
Go to this link and submit your pre-qualification form
Do you lend on primary residences? 

No, you can't live in the property securing our loan
​
What are your lending minimums and limits? 

$50,000 and up

What is your maximum loan to value?

Our loans must not exceed 65% of the estimated as repaired value of the property

How do you determine the value of the property?

Through a third-party BPO or in-house appraisal

Are you a direct lender or do you just broker to investors? 

We are a direct lender with control of our own funds

​What is your maximum loan to cost? 

Our loans must not exceed 80% of the property purchase price
Do you have prepayment penalties?

The minimum interest charge is 30 days, regardless of when the loan is repaid. There are no pre-payment penalties. 
​
Can I hold title in a corporation, LLC or Trust? 

Yes, but we do require personal guarantees from the entity's principals. 

Do I have to pre-qualify for every loan? 

No, we perform our borrower underwriting for the first loan and periodically thereafter.

Do you offer discount pricing for return borrowers? 

Yes, our pricing is dependent on a borrower's loan volume, quality of collateral property improvements and timeliness of payments

Do you provide second lien loans? 

No 

If I already own a property and want to improve it for resale, will you finance it? 

Yes, so long as you do not reside in the property

Do you offer 100% financing for properties if I find a really good deal? 

No, no matter how good the deal, our borrowers must provide at least a 20% cash down payment. See our Loan Programs
​
Do you offer financing for  property improvements? ​

Yes, for select borrowers we offer financing on property improvements once the improvements have been made and inspected by us

Do you require any up-front fees to underwrite a potential loan?

No

​

Powered by Create your own unique website with customizable templates.