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Dive into the wealth-building world of DSCR LOANS! 💰 I teamed up with Investor Friendly Real Estate Agent Henry Ogbuli decoding how investors can leverage this loan to expand their investment property portolio without the hassle of income documentation. 🏡✨ BONUS 🤫 Unlock the BRRRR (Buy - Rehab - Rent - Refinance - Repeat) strategy secret – cash out refinancing from your renovation loan into a long term fixed DSCR is a beautiful strategy to grow your portfolio. Direct Mortgage Loans #realestateinvestor #investmentproperty #dscr #realestateinvesting

Keep it simple when first learning about these loans. The most important thing is to work with a lender you trust. These are the 3 most popular Non-QM Programs today. 1. Self-Employed income like Bank statements and 1099s. 2. Liquid assets used as depletion income. 3. DSCR loans for investment properties. I'm always available to help explain the programs or structure an exception. 602-300-0235 #nonqmgold #mortgage #lending

How to leverage DSCR loans for real estate: 1. Identify a property with strong rental income potential. 2. Gather minimal documentation needed for the DSCR loan. 3. Analyze local rental comps to ensure cash flow covers mortgage.

✅ Non-Qualified Mortgage Loans are perfect for those with unique financial situations. These loans open doors to real estate investment opportunities beyond conventional standards. Ready to explore your options? Let's discuss Non-QM loans today! #NonQMLoans #FlexibleFinancing #RealEstateInvesting #ResidentialMortgage #LosAngeles #California #mortgagetips

ATTENTION MORTGAGE BROKERS: Let's dive into Non-QM: Part 33. Non-QM loans are proving to be a crucial tool for loan sellers, especially in today’s market. With fluctuating rates, these loans offer flexibility for borrowers who don’t fit traditional lending criteria, opening up new revenue streams for lenders. The demand for Non-QM loans has surged, offering more competitive bids and filling the gap for self-employed or real estate investors. By tapping into this sector, lenders can diversify their portfolios and meet evolving borrower needs.

Non-QM continues to bring a boost in volume and profitability to lenders. Another insightful article from National Mortgage News. Our pricing engine helps lenders showcase their #nonqm products to a wider audience and makes it much easier for #originators to isolate and price non-QM programs in our PPE.

Here's a concise breakdown of the Non-Qualified Mortgage (NonQM) loan process with Oaktree Funding: 1. Pre-Approval/Application: Borrowers submit their NonQM loan application, providing financial details like income, assets, debts, and credit history to their mortgage broker, who forwards it to Oaktree. 2. Documentation Review: Oaktree assesses the borrower's financial situation, ensuring documentation meets requirements for NonQM loans, which may be more flexible than traditional mortgages. 3. Underwriting: Oaktree evaluates the application, creditworthiness, and property details, considering non-traditional factors for approval. Manual underwriting may be involved. 4. Loan Approval and Terms: If approved, Oaktree specifies loan terms such as interest rate, amount, and repayment schedule, explaining them thoroughly to the borrower. 5. Closing: Borrowers sign loan documents, including the promissory note, and pay closing costs and fees. Property title transfers to the borrower, and the loan becomes active. 6. Loan Servicing: After closing, borrowers start making mortgage payments according to the agreed terms. Contact Oaktree today to embark on your NonQM journey! 1.800.968.5773 #HomeOwnership #FloridaRealEstate #HomeLoan #FloridaHomes #LoanOfficer #FloridaRealtor #RealEstateFinance #GeorgiaRealEstate #MortgageLender #TexasRealtor #FirstTimeHomeBuyer #TexasRealEstate

QM VS. NON-QM LOANS: AN OVERVIEW The financial market is constantly changing, and finding the right loan solution for your clients can be tough. Knowing the different loan types to offer can give you an edge. If you’re a Qualified Mortgage QM broker considering adding Non-Qualified Mortgages Non-QM to your product offering toolkit, we’ve put together a simple overview of QM vs. Non-QM loans for you. Read on to understand the differences between these two and the advantages of providing Non-QM loans. Read on here https://lnkd.in/efFbcV6y

The DSCR loan uses the Debt Service Coverage Ratio to qualify for an investment property, purchase or refinance, meaning, the ratio of rental income of the subject property to the mortgage payment is what is being looked at. The borrowers, personal income or liabilities are not considered. This non-QM loan option is perfect for existing real estate investors and new ones looking to build their real estate portfolio. #themoreyouknow #Mortgagetips #ccm #Loanofficer #Creativelendingoptions

Looking to take your business to the next level? ALMFC LLC offers loan programs tailored for business owners like you. Multiples Loan Program boosts your capital up to 4x. With Loan Sponsor and Mortgage Loan Programs, you get competitive interest rates. Quick pre-approval, transparent fees, and secure QC process. It's all designed to ease your project financing pains. Got a project ready? Hit us up to secure your funding! #ProjectFinancing #BusinessGrowth #SecureLoan