These properties can often be acquired through creative financing methods like:Seller Financing: Negotiate flexible terms with motivated sellers who want to avoid traditional bank processes.Lease Options/Subject-To Financing: Take over a seller’s mortgage without assuming full responsibility, especially for properties needing renovation.Creative Terms: Adjust terms to fit market conditions, like offering lower down payments or longer payoff periods.Staying connected with investors and tailoring deals to current conditions can help you secure opportunities even in challenging markets.

----------------------------Here's a quick breakdown of the eligible loan amounts based on an all-cash investment strategy, but the same applies if you have a mortgage on the property as well:• 0-6 Months (Delayed Purchase, no Rehab completed) - up to 80% of purchase price• 6+ Months (Cash-Out Refinance, no Rehab completed) - up to 75% of appraised value• 0-3 Months (Cash-out refi, Rehab completed) - 75% of appraised value [good rates]• 3-6 Months (Cash-out refi, Rehab completed) - 75% of appraised value [best rates]My one caveat is that a 1-4 unit residential property in Missouri is eligible for an 80% cash-out, albeit at a higher interest rate premium (8.625% @ 80% LTV vs. 6.875% @ 75% LTV today).

Need input / ideas / comments on following pls.I have 2 SF rentals that I'm facing foreclosure on as I fell behind w/ the mortgage payments on (due to unrelated problems).

(Live there for a bit then rent it out)It's a tough decision nowadays with a 3% mortgage which is pretty much an asset in itself. 

If you plan on buying these properties using a mortgage its also best to begin the pre approval process and work with an investor friendly lender to help guide and educate you what the best product might be for your projects to make sure you dont already max out your borrowing power after the first deal.

Every contact I needed for insurance, mortgage and cleaners were done online, mostly through connections from BP. 

- Troy 2 years ago I had successfully completed half a dozen email campaigns to commercial mortgage brokers.  

I received a list of “comps” from my mortgage broker.

This gets my mortgage payment barely at break even for LTR value, (could be negative cash flowing), and lowers to about a 6% CoC (with down payment, renov and furnishings' costs)About 1.5 pt lower than my goal and with an MAO $10K higher than I wanted.b.

You can take a mortgage with a Mexican bank.