Investment property loan options are not one-size-fits-all, and at North Star Mortgage Network, we understand that property investors have different needs than traditional homebuyers. That’s why we offer a comprehensive suite of investment property financing solutions tailored to support real estate professionals, fix-and-flippers, and foreign national buyers. Whether you’re building a rental portfolio or flipping your next property, our programs are designed with flexibility, speed, and common-sense underwriting.

H2: Investor-Focused Loan Programs

We provide a wide array of products designed to meet the diverse needs of property investors:

• Investor Cash Flow (DSCR) Loans: Qualify based on rental income, not personal income. DSCR as low as 1.0x, using either lease agreements or Form 1007/216.
• Full Doc & Bank Statement Loans: Perfect for self-employed investors. Options available for 12 or 24-month statements.
• Foreign National Loans: Competitive rates with flexible documentation. Income letters from employers or CPAs accepted, with no U.S. credit required.
• Fix and Flip Financing: Up to 90% purchase and 100% of renovation costs based on investor experience.
• Profit & Loss (P&L) Program: Self-employed borrowers can qualify based on a CPA-prepared 12-month P&L.
• Jumbo Investment Loans: Loan amounts up to $3,000,000. Various documentation types accepted. Interest-only and asset depletion options available.

H2: Key Investor-Friendly Features

• Loan amounts up to $3,000,000
• Up to 85% LTV for purchases
• DTIs up to 50%
• Unlimited financed properties and up to 10 loans per investor
• Non-warrantable condos allowed
• Rate buydown options available
• Interest-only qualifying allowed for enhanced cash flow

H2: Fix and Flip Financing

The market is buzzing with opportunity, and quick-turn financing is critical for investors. Our Fix and Flip loans provide:

• Up to 90% of purchase price
• Up to 100% of construction costs
• Fast closings with minimal paperwork
• Tailored to both new and seasoned flippers

H2: Foreign National Investment Loans

Our Foreign National Loan program removes the red tape for international investors:

• No U.S. tax returns required
• Loans available for 1-4 unit investment properties
• Cash out up to $500,000
• LTV up to 75% for Purchase / Rate-Term and 70% for Cash-Out
• Visa flexibility and foreign credit reports accepted

H2: Jumbo and Non-Warrantable Condo Loans

For larger investments and unique properties:

• Non-warrantable condos and condotels permitted
• Up to 50% commercial space allowed
• LTVs up to 80% and loan amounts up to $3M
• Available for DSCR and Bank Statement programs

H2: Self-Employed? Try Our P&L Loan Program

• No bank statements required for loan amounts up to $1,000,000
• CPA or IRS Enrolled Agent-prepared 12-month P&L accepted
• Cash-out available up to $500,000
• No self-employment questionnaire required

Call to Action

Whether you’re buying, refinancing, or flipping, North Star Mortgage is your trusted partner in investment property financing. Contact us today to compare programs, explore options, and experience a smoother path to your next deal.