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  • Tel: (651) 552-3681
    Email: joe@joemetzler.com

  • Investor Cash Flow Loan

    IT'S A GREAT TIME TO BUY RENTAL PROPERTY

    Our Investor Cash Flow MORTGAGE LOAN Program Can Help You Buy More Homes

    As an investor, buying homes under traditional conventional programs can many times be a major hassle with submitting complicated tax returns, income statements, how many homes do you already own, cash reserve requirements, and more make it difficult for many investors.

    We make it easy to qualify to buy more homes with our Cash Flow loan, which allows you to qualify simply based on a rental analysis of the property to determine cash flow. If it cash flows, you are good!  This saves you all the hassle of the complicated income statements and tax returns of conventional loans

    • No personal income used to qualify
    • Qualification based on property cash flow
    • 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
    • Credit scores down to 640
    • Rates starting in the 6’s with excellent credit.
    • Up to 80% Loan-to-value - Buy may be lower depending on situation
    • No Debt-to-Income restrictions
    • MUST have a current primary home mortgage
    • 1-4 units and condos
    • No limit on number of properties financed (but just 5 with us)
    • Loans up to $1.5 million
    • Seller paid closing costs up to 2% of the purchase price.
    • 7/1 ARM and 30-yr fixed Available

  • CALL

    Ready to get started?

    Simply contact us at (651) 552-3681 to discuss your situation. Our normal in office hours are M - F, 9:00 AM until 5:30 PM.

  • As with all mortgage loans, not everyone will qualify. Note: This quote is based on the borrower meeting the Standard Tradeline requirements. Need 3 tradelines reporting for a minimum of 12 months -OR- 2 tradelines reporting > 24 months; all with activity in the last 12 months. Cancelled checks for 12 or 24 months housing history may also be used as a tradeline. DSCR = Rents / (PITI + HOA Payment). DSCR under 1.00 and at least 0.80 requires Minimum FICO 700 and Maximum LTV of 75% DSCR under 1.00% has a Rate Adjustment of +.375%

  • Our service and expertise sets us apart

  • Equal Housing Lender, Cambria Mortgage NMLS# 322798. We lend in: Minnesota, Wisconsin, Iowa, Colorado, Florida, North Dakota, South Dakota, and Texas. This is not an offer to lend or to extend credit, nor is this a guaranty of loan approval or commitment to lend. The information here may not be up-to-date and may no longer be accurate. Products and interest rates are subject to change at any time due to changing market conditions. Not all programs available in all states. Actual rates available to you may vary based upon a number of factors. Consumers must independently verify the accuracy and currency of available mortgage programs. All loan approvals are subject to the borrower(s) satisfying all underwriting guidelines and loan approval conditions and providing an acceptable property, appraisal and title report. © 1998 - 2020, Joe Metzler, NMLS 274132