投资物业的融资选择

购买投资性房产是世界上最可靠的财富增长方式之一。

然而，许多人却认为投资房产对他们来说遥不可及。如果您认为只有富人才能投资，那么好消息来了。投资者有很多选择，而且很多选择都适合像您这样的人。事实上，传统抵押贷款甚至可能不是您的最佳选择！

以下是一些最常见的选择。

房屋净值贷款或再融资

If you have a significant amount of equity in your primary residence you may be able to take out a home equity loan large enough to pay for an investment property.

套现再融资还可提供首付资金。 

另请参见 什么是套现再融资？

DSCR 贷款

A 偿债率 (DSCR) loan allows you to use the property’s rental income to qualify for a mortgage, rather than your own income. 

您可以使用这些贷款购买多单元房产。 

您需要至少 620 分的信用评分才有资格获得此类贷款，而且您需要至少 15% 的首付款。此外，您最好还能准备一笔现金储备，以便履行对租户的维修和居住义务。 

另请参见 在佛罗里达州大西洋投资中使用 DSCR 贷款的基本技巧

硬通货贷款 

如果您希望修缮并翻新房产，硬通货贷款可能是您的最佳选择。这种贷款几乎完全基于房地产的价值，不考虑您的信用记录、收入或资产。 

这些贷款利率高、期限短，因此您需要对自己充满信心。截至本文撰写之时，一到两年的贷款利率徘徊在 10% 左右。

另请参见 硬资产贷款与传统抵押贷款终极指南

私人资金

一些房地产投资者利用朋友、家人或与他们有联系的私人合作伙伴的资金为自己的房产融资。 

这些贷款的条件取决于贷款人，您应仔细考虑对您的人际关系的潜在影响。 

常规贷款 

您始终可以选择为第二处房产申请传统抵押贷款，并像平常一样支付贷款。 

银行在计算时不会考虑未来的租金收入。您可以计算未来的租金收入，以确定贷款是否合理。 

另请参见 佛罗里达州布劳沃德、棕榈滩和迈阿密-戴德县的常规住房贷款导航

与 Alex Doce 一起寻找合适的房地产投资贷款

如果您是第一次投资房地产，您需要一位优秀的顾问在您身边。

Alex Doce can help advise you on which of your home loan investment options make the most sense. He can also help you secure the right investment loan with great terms and low fees. Take advantage of his 36+ years of experience to get the information you need to start your investment journey and make owning rental property a success!

立即预约免费咨询。

常见问题 

What kind of loan is best for a rental property?

Commercial real estate loans help people buy, refinance, or improve rental properties and business spaces. They are different from home loans, and for those buying a condo as an investment, they often come with shorter terms, bigger loan amounts, and competitive interest rates.

What type of loan is best for investments?

Investors can use assets like stocks, real estate, or art as collateral to borrow money and buy more assets. Options like loans backed by stocks, property, or other valuables give flexibility, but they also come with specific risks and rules.

What are the financing techniques for real estate?

Many people use traditional bank loans, including some backed by the government, as the most common option. Other ways to fund real estate include paying cash, using hard money or private lenders, self-directed IRA accounts, seller financing, peer-to-peer lending, and lease-to-buy agreements.

Can you borrow more for an investment property?

You may be able to borrow up to 95% of an investment property’s value, but most lenders will ask you to pay Lenders Mortgage Insurance (LMI).