Investment Financing

**Business with Greg** · 02-10-2009, 01:22 PM

With the changes made to the risk based pricing for Fannie Mae and Freddy Mac I was trying to find out what type of lending most investors are using so far in 2009?

The changes I speak of were effective in December of 2008 and made agency loans almost impossible to use.

I have requests from all over the United States and most of them I cannot help. I want to educate myself with the alternatives.

**REI GIANT** · 03-14-2009, 03:36 AM

I have been using local banks for several years. I have financed over 100 single family homes as well as apartment complexes with them. I just refinanced an apartment complex last week at 6%. The banks that I am using are doing 70% LTV which isn't great;however,they are allowing the seller to carry back a 2nd mortgage.

REI GIANT
reigiant@gmail.com

**thomas12** · 03-16-2009, 10:34 PM

I have been involved in equity funding for small and medium sized businesses (SMEs) for several years now and I always make it a point to lend it from renowned; reputed sources.

**VAInvestor** · 03-29-2009, 04:39 PM

All cash or Private Lender Funds for me these days....dealing with banks has been akin to asking the prom queen out - you can try all you want, but at the end of the day she still says no, over and over again

**Business with Greg** · 03-30-2009, 07:01 AM

Interesting. We have 1 in Oklahoma who is getting financing and one in VA/NY having issues.

REI is your bank small and local?

**clintonbaisley** · 04-03-2009, 02:35 AM

Investment property financing provides the key to prosperity for leveraged property investments. Florida title insurance is confusing but South Pointe Title was very helpful.Well it certainly used to be like that but with the advent of the credit crunch and restricted lending by the banks companies, times are certainly harder. Investment property financing shows you how easy it is to create wealth, even in these times the property ladder is a gradual process.

**suraja** · 04-03-2009, 08:53 AM

I'm also involved in equity funding for small and medium sized businesses

**BillJames** · 04-03-2009, 11:26 AM

Originally Posted by REI GIANT

I have been using local banks for several years. I have financed over 100 single family homes as well as apartment complexes with them. I just refinanced an apartment complex last week at 6%. The banks that I am using are doing 70% LTV which isn't great;however,they are allowing the seller to carry back a 2nd mortgage.

REI GIANT
reigiant@gmail.com

I think local banks feel more comfortable loaning money to someone they have delt with before, and can look at across the table.

**ryanallen** · 04-04-2009, 01:35 AM

Almost 90% of the people in US prefer loan from banks for security reasons. I am researching some stats and will try and put them up here once its ready.

**Dalton** · 04-14-2009, 06:37 AM

I am very much amazed by the information i have learn from this thread.. thanks for giving me more knowledge about lending and other stuff.. thanks again..