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loans for landloards
As far as investment loans, little or no money down loans are impossible.  However, lenders do permit the use of Home Equity Lines of Credit or second mortgages from other properties owned by the borrower as a source of down payment.  Or, self-employed borrowers are using funds from business lines of credit to fund down payments or renovations (please note: there are asset seasoning guidelines for doing so and the debt incurred by accessing other credit lines must be accounted for against the borrower's debt-to-income ratio). Thus, we have clients leveraging themselves with other homes they own in order to get in with little or nothing down. 
There are exceptions, but practically every lender requires Full Income Documentation on any investment purchase.  Full Documentation requires the proof of income through W2s, pay stubs and/or tax returns, as well as proving liquid assets with bank statements.  The max LTV is 85% on a non-owner single family property (75% for a 3 - 4 unit); however, most homes are being affected with the ‘declining market' tag.  As such, the maximum loan permitted would be 80% of the purchase price.  This is due to mortgage insurance companies refusing to provide MI on investment properties ... more

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