As inflation and interest rates fluctuate, real estate has re-emerged as a crucial asset for both high-net-worth and middle-class families. The demand for investment property loans is surging, whether for short-term rentals like Airbnb, stable long-term leases, or simply as a family vacation home. Adding a second property is now a key part of a smart financial strategy.

Cheryl’s Team has designed the Investment Property & Second Home Loan Program specifically for these buyers. We provide greater flexibility and fewer barriers to help you enter the real estate investment arena with confidence.

High LTV for Maximum Leverage

This program supports loan-to-value (LTV) ratios of up to 85%, which is significantly higher than what traditional investment property financing offers. This means you only need a 15% down payment to secure a loan for a second home or investment property. This low barrier allows you to maximize your purchasing power and amplify your returns while keeping your cash liquid.

Flexible Qualification Standards

We’ve created borrower-friendly eligibility criteria to make financing more accessible:

• A minimum FICO score of 660.

• Simplified income documentation is accepted, so you don’t need full tax returns.

• Bank statement programs are available for self-employed borrowers.

• Loan amounts go up to $3,000,000 for high-value properties.

This flexibility makes it easier for more investors to secure financing without the typical high barriers.

Versatile Options for Any Goal

This program supports a variety of property uses, giving you maximum flexibility:

• Purchasing a personal second residence (e.g., a vacation home).

• Buying an investment rental (for both long-term and short-term leases).

• Cash-out refinancing at the time of purchase to increase your liquidity.

For investors, this means better cash flow management and the ability to act on opportunities quickly.

Our Comprehensive Support

Cheryl’s Team doesn’t just provide financing; we offer end-to-end support to ensure a smooth process:

• Market trend analysis for informed investment decisions.

• Customized loan structures tailored to your specific goals.

• Fast approvals and streamlined documentation review.

• The ability to combine your loan with grant programs and rate buydown options.

When you’re ready to build a stable, high-return property portfolio, we are here to guide you every step of the way.

Let Cheryl’s Team be your partner in real estate investment, providing the right loan structure and professional expertise to help you build your upgraded asset portfolio today.