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In the dynamic world of real estate investing, refinancing can be a powerful tool for unlocking your property's full potential. Whether you're seeking to lower your interest rate, access cash for further investments, or improve your cash flow, a strategic refinance can significantly enhance your returns.
Refinancing your investment property can serve various strategic purposes:
Lower Interest Rates
Secure a lower interest rate to reduce your monthly payments and increase your cash flow.
Access Cash Out
Tap into your property's equity through a cash-out refinance to fund renovations, acquire additional properties, or pursue other investment opportunities.
Shorten Loan Term
Switch to a shorter-term loan to pay off your mortgage faster and save on interest costs.
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Several refinance options are available for investment properties:
Rate-and-Term Refinance
Change your interest rate or loan term without taking out additional cash.
Cash-Out Refinance
Access a portion of your property's equity in cash.
Cash-In Refinance
Bring cash to closing to reduce your loan amount and potentially secure a lower interest rate.
DSCR Loans (Debt Service Coverage Ratio Loans)
Qualify based on the property's rental income rather than your personal income.
Portfolio Loans
Finance multiple investment properties under a single loan.
Several refinance options are available for investment properties:
Rate-and-Term Refinance
Change your interest rate or loan term without taking out additional cash.
Cash-Out Refinance
Access a portion of your property's equity in cash.
Cash-In Refinance
Bring cash to closing to reduce your loan amount and potentially secure a lower interest rate.
DSCR Loans (Debt Service Coverage Ratio Loans)
Qualify based on the property's rental income rather than your personal income.
Portfolio Loans
Finance multiple investment properties under a single loan.
Investors represent 26% of single-family home purchases in 2023.
30-year fixed mortgage rates for investment properties are currently around 7.32% , slightly higher than primary residence rates.
Minimum down payment for investment properties is typically 20%, though some lenders may require more.
DSCR loans, popular for investment properties, saw a 50%+ increase in originations in Q1 2024.
Cash-out refinances, often used for property improvements or further investments, made up 42% of refinances in 2021.
Average rent in the US reached a record high of $2,053 in August 2024, potentially attracting more investors.
Expertise in Investor Financing: Our team specializes in working with real estate investors and understands the unique challenges and opportunities associated with investment property refinancing.
Personalized Solutions: Our experienced mortgage advisors will provide tailored advice and support throughout the loan process, ensuring you make informed decisions that align with your investment strategy.
Access to a Wide Range of Lenders: We have established relationships with multiple lenders offering competitive investment property refinance programs.
Streamlined Process: We strive to make the refinance process as efficient as possible, minimizing paperwork and maximizing convenience.
Commitment to Your Success: We're dedicated to helping you achieve your real estate investment goals and build a profitable portfolio.
Relax and take comfort in knowing that our 24/7 support ensures you're never alone on your financial journey.
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Onyx Group Mortgage, a division of Ameritrust Mortgage Corporation (NMLS #217229), is located at 17341 Irvine Blvd., Suite 285, Tustin, CA 92780. Please note that Ameritrust Mortgage Corporation does not offer legal, tax, or financial advice, nor is it affiliated with any government agency. www.nmlsconsumeraccess.org.
© The Oynx Group LLC. All Rights Reserved - Powered by Maple54
Onyx Group Mortgage is a division of Ameritrust Mortgage Corporation, NMLS #217229 located at 17341 Irvine Blvd., Suite 285, Tustin, CA 92780. Ameritrust Mortgage Corporation does not provide legal, tax, or financial advice or guidance and is not associated with any government agency. This is not an offer for an extension of credit nor a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply. All approvals are subject to underwriting guidelines and minimum credit requirements. Not all loans or products are available in all states. For current licensure information, please visit: www.nmlsconsumeraccess.org.
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