Loan Programs
Here are just some of the Investor Mortgage products we Specialize in, if you do not see what you're looking for, or have questions, don't hesitate to reach out
Conventional Loans
Allows financing for up to 10 properties, with competitive rates for borrowers with strong credit and down payments. Ideal for long-term investors looking for lower interest rates and fixed terms.
VA Loans
Available to veterans, allowing 0% down on primary residences, but with creative structuring (such as house hacking), investors can purchase multi-family homes (up to 4 units) and live in one unit, renting the rest.
FHA Loans
Low down payment (3.5%) and more lenient credit requirements make FHA loans attractive for new investors, particularly for multi-family properties (up to 4 units). Owner-occupancy is required.
FHA 203k Loans
Perfect for investors looking to finance the purchase and renovation of a property, enabling investment in fix-and-flip or value-add real estate, with low down payments like standard FHA loans.
DSCR Loans (Debt Service Coverage Ratio)
Specifically designed for investors, these loans focus on the property’s income, not personal income, making it easier for investors to qualify. Ideal for scaling rental portfolios.
Commercial Loans
Used for financing large-scale multi-family or commercial properties. They provide access to higher loan amounts and flexible terms for serious investors in large real estate deals.
Hard Money Loans
Short-term, fast-financing option for investors, often used for fix-and-flip properties. These loans have higher interest rates but provide flexibility in cases where conventional financing isn’t available.
Mixed-Use Loans
Allows investors to finance properties with both residential and commercial spaces. Ideal for urban areas where properties combine retail, office, or residential spaces.
Family Opportunity Loan
Enables investors to buy homes for elderly parents or children without needing to live in the property themselves. It is treated as a primary residence for financing purposes, making it easier to qualify.
All-in-One HELOC
Combines a home equity line of credit (HELOC) with a checking account, allowing investors to use home equity for additional investments while managing cash flow efficiently.
Calculators
Purchase Calculator
Refinance Calculator
Affordability Calculator
ROI Calculator
AIO Calculator
Licensed in the following states:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Copyright ©2024 Geneva Financial, LLC, DBA Ridge Lending Group
NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved
Copyright ©2024 Geneva Financial, LLC, DBA Ridge Lending Group
NMLS #42056 | BK #0910215 | CA License #CA-DBO9556 | Massachusetts Licensed Lender #ML42056 | An Equal Housing Lender | All Rights Reserved