When rates come down, you can refi whatever loan product you used to lower your rate.  

Kingman's growing market further enhanced its appeal.

For developers & investors in North America, there is a new route to market leveraging on proactive product based offsite construction solution.

If you don’t meet criteria for 2nd FHA, maybe look for a conventional product as there are many more options available than there used to be.

Love this thread, I'd offer that we are in Dallas and offer in person appointments too.Is there a structure or product that we could offer the market thats better ?

I will tell you, having personal stake in the business can create *significant* financial opportunities depending on production.

as Update to this post from 6 years ago, there are heloc's on owner occupied 2-4 unit properties up to 89.90% CLTV or combined loan to values (meaning multiple loans but all together not exceeding 90% of the value).Terms typically areinterest only first 10 years and drawable from the lineyears 11-30 its Principal and interest payment Prime index/rate + margin (this portion is fixed but prime is not)underwriting is done assume prime + margin + 2% stress test for underwriting meaning if your prime + margin was 10% then your underwriting rate used to determine your maximum line you can qualify for would be 12% rate as an example based on principal and interest payment over 30 years or 360 monthsIncome is the main determinant of your qualification and fico min 680+ is just the min score to get through the "front door,"Maximum DTI or debt to income allowed is 45% DTIMaximum lines on this product go from 500-750k so you can get a decent line size that can actually buy other BRRR's or fix flips and deals.

Angels Camp's growing market further enhanced its appeal.

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DSCR loans can be a great loan product.