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Updated about 7 years ago on . Most recent reply

RJ Bates III's profile image
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RJ Bates III
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  • from Fort Worth, Texas
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RJ Bates III's profile image
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RJ Bates III
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  • from Fort Worth, Texas
  • Member since Nov 4, 2015
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RJ Bates III
  • Investor
  • Fort Worth, TX
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San Antonio Real Estate Forum

Bank to Refinance

RJ Bates III
  • Investor
  • Fort Worth, TX
Posted

I am looking for a solid bank to refinance a property we have taken out a hard money loan on. We are wanting to keep the property as a AirBnB property at this point and are looking for terms somewhere around 80% LTV with a reasonable interest rate. Any and all recommendations are appreciated!

San Antonio, Texas
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Jerry Padilla
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Jerry Padilla
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  • from Rochester, NY
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Jerry Padilla
#5 Classifieds Contributor
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  • Rochester, NY
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Jerry Padilla
#5 Classifieds Contributor
  • Lender
  • Rochester, NY
Replied

@RJ Bates III

For conventional financing a 75% LTV is required. There is no seasoning for a rate and term refinance. Can you support the mortgage with your current income? AirBnB doesn't count as stable rental income and there are no lease agreements so you would need a 2 year history for rental income.

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