All Real Estate Financing Articles

4 Best Real Estate Portfolio Lenders in 2020

By Melanie Patterson on June 18, 2020 | Buyer's Guide, Real Estate Financing, Real Estate Investing | Comments (8)

Portfolio lenders provide unconventional mortgages for real estate investors looking for short-term, fast funding solutions, long-term loans for multiple rental properties, or commercial financing. Portfolio lenders hold the promissory notes instead of selling them on the secondary mortgage loan market. This type of loan is more expensive than a conventional loan, but lenders offer flexible…

Private Money Lenders: How to Get Private Money Loans

By Melanie Patterson on May 8, 2020 | Real Estate Financing, Real Estate Investing, Ultimate Guide | Comments (17)

Private money loans are good for both short- and long-term investors in need of quick financing to compete with all-cash buyers. Investors sometimes use a private money loan, also known as a hard money loan, to purchase a property before refinancing to a long-term conventional mortgage. Investors who don’t qualify for conventional mortgages also may…

Rehab Loans for Investors: FHA 203(k) Loans, Hard Money & More

By Melanie Patterson on May 8, 2020 | Real Estate Financing, Real Estate Investing, What is | Comments (0)

Rehab loans help real estate investors fund the purchase and renovation of residential properties. Short-term investors use them to fix-and-flip properties as well as long-term investors who need renovation financing for rental properties. A rehab loan combines property purchase and rehab costs into a single short-term loan with quick funding and interest-only payments. 3 Types…

Portfolio Loans: Rates, Terms, Qualifications & Where to Find

By Melanie Patterson on May 8, 2020 | Real Estate Financing, Real Estate Investing, Ultimate Guide | Comments (2)

A portfolio loan is a mortgage designed for real estate investors who don’t qualify for a traditional mortgage or who are financing multiple properties on a single loan. Because portfolio lenders carry the risk—the loans don’t meet guidelines that allow them to be bought by Fannie Mae or Freddie Mac—they create their own underwriting guidelines…

Investment Property Line of Credit: The Ultimate Guide

By Melanie Patterson on April 22, 2020 | Real Estate Financing, Real Estate Investing, What is | Comments (6)

An investment property line of credit (LOC) is a short-term financing option for properties on which the owner does not live or work. It’s similar to a home equity line of credit (HELOC), only the lien is placed on investment property, not someone’s primary residence. Investors who get a LOC draw cash from the available…

Where to Get Investment Property Loans for Rental Property

By Melanie Patterson on March 26, 2020 | Buyer's Guide, Real Estate Financing, Real Estate Investing | Comments (6)

If you’re shopping for an investment property loan, you can find one through online mortgage providers, investor-only lenders, and national banks. Loan amounts typically range from $45,000 to more than $2 million, but any lender will probably require you make a 20% minimum down payment. If you’d like to go the online route, is great…

Mortgage Amortization Calculator With Schedule

By Melanie Patterson on February 14, 2020 | Calculators, Real Estate, Real Estate Financing | Comments (0)

A mortgage amortization calculator and schedule helps borrowers determine how much their monthly loan payment will be. The amortization schedule shows both the principal and interest borrowers pay each month over the loan term. The calculator uses inputs like how much you paid for the property, your down payment and the length of the loan…

21 Mortgage Statistics You Might Not Know

By Melanie Patterson on December 13, 2019 | Real Estate Financing, Real Estate Investing, Statistics | Comments (0)

Mortgage statistics can help real estate investors and homebuyers who are looking to borrow money to buy a house or rental property research and find the best rates and terms. Having data on mortgage trends can also help to determine the best time to buy an investment property and evaluate a property’s positive cash flow….

What Is EBITDA: Formula, Definition, and History

By Robert Newcomer-Dyer on November 12, 2019 | Financing, Real Estate Financing, What is | Comments (0)

Earnings before interest, taxes, depreciation, and amortization (EBITDA) is a measure of a company’s revenue before accounting for deductions related to interest expense, taxes, depreciation, and amortization. It is a method of determining the health and value of a business that discounts how the business is financed as well as accounting and tax strategies. What…

Hotel Financing: Loans to Build, Buy, Renovate, or Refinance

By Tricia Tetreault on October 18, 2019 | Real Estate Financing, Real Estate Investing, What is | Comments (6)

Hotel financing can be used to build, buy, renovate, or refinance a hotel or motel. The four main types of hotel loans are SBA 7(a) loans, SBA 504 loans, USDA B&I loans, and conventional bank loans. You can typically see rates for hotel financing between 5% to 9%, with repayment terms up to 25 years….

Mixed-use Loans: The Ultimate Guide on Financing a Mixed-use Building

By Tricia Tetreault on October 17, 2019 | Real Estate Financing, Real Estate Investing, Ultimate Guide | Comments (0)

Mixed-use loans help businesses and real estate investors finance mixed-use buildings. Mixed-use buildings that qualify for financing typically have multiple units zoned for different uses, such as residential, commercial, industrial, or institutional. Mixed-use property loans can be both short-term and long-term with terms that range from six months to 30 years. is one of the…