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Types of Loans

There are several options for first-time borrowers, some with as low as a 3.5% (FHA) down payment or even no down payment for qualified borrowers.

Conventional loan

  • Usually 5% down payment, but a 3% down payment is available
  • Minimum credit score of 620
  • Second homes are permitted up to 90% loan-to-value (LTV) ratio

FHA loan

  • 3.5% down payment
  • Up to 6% of closing costs can be paid for by the seller
  • Minimum credit score of 580
  • Cashout up to 85% loan-to-value (LTV) ratio
  • Gift funds are allowed towards down payment
  • Cosigners are permitted

Short-term loan

  • Taken on by the investor for immediate funding
  • Typically paid off as soon as possible

Rehab (or renovation) loan

  • Loan for a property that needs major renovation
  • Loan-to-value (LTV) ratio is usually lower than 65% because of the cost of repairs
  • Considered a short-term loan

Flip loan

  • Investor pays off the loan in three (3) to six (6) months
  • Considered a short-term loan

Long-term or tenant-occupied loan

  • Property does not need major renovations
  • Investor plans on receiving rental income