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Updated over 9 years ago on . Most recent reply

Account Closed's profile image
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Account Closed
  • Rental Property Investor
  • from Austin, TX
  • Member since Sep 2, 2015
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Account Closed's profile image
Account Closed's profile image
Account Closed
  • Rental Property Investor
  • from Austin, TX
  • Member since Sep 2, 2015
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Account Closed
  • Rental Property Investor
  • Austin, TX
176
Votes |
280
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Private Lending & Conventional Mortgage Advice

Will Lenders waive loan down payments is Loan to Value is low?

Account Closed
  • Rental Property Investor
  • Austin, TX
Posted

In the spirit of the 2% rule, let's say I found a property with a rental rate of $1,400/month, appraised at $125,000 and selling for $97,500. Since the loan to value ratio presents natural equity in the deal at 78%, will Lenders (or a specific type of lender) consider this and not require any loan down payment assuming the borrower has excellent credit? I am very curious as to how this would work. Thanks! 

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Chris Martin's profile image
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Chris Martin
  • Investor
  • from Willow Spring, NC
  • Member since Jul 4, 2009
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Chris Martin's profile image
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Chris Martin
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  • from Willow Spring, NC
  • Member since Jul 4, 2009
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Chris Martin
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  • Willow Spring, NC
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Chris Martin
  • Investor
  • Willow Spring, NC
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No. Lenders look at acquisition cost in this scenario.

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