Access Your Investment Property's Equity

Investor Fixed Rate 2nd Mortgage Loan Highlights

Non-QM fixed-rate second mortgages are powerful tools for real estate investors. They allow you to access your property's equity without refinancing your first mortgage, which is especially beneficial if you have a low interest rate locked in.

Flexible Income Qualification

Our Non-QM second mortgages for investment properties offer multiple ways to qualify:

• DSCR: Qualify using the property's rental income to cover the new total mortgage payments.
• Bank Statements: Use 12 or 24 months of personal or business bank statements.
• 1099s or P&L: Ideal for self-employed investors.
• Full Documentation: Traditional income verification is also an option.

Benefits for Investors

• Cash Out for More Investments: Pull cash from your existing portfolio to use as a down payment on your next purchase.
• Blended Rates: By keeping your low-rate first mortgage and adding a second, you can often achieve a lower blended rate compared to a traditional cash-out refinance.
• Property Types: Eligible properties include 1-4 unit residential homes, PUDs, and condominiums.
• Fixed-Rate Stability: Enjoy the predictability of a fixed interest rate and payment for the life of the loan, unlike a variable-rate HELOC.