I'm Igor - a revenue management expert with over 10 years of experience in the hospitality industry.

My wife and I have obtained three traditional loans and one lease with the option to purchase, resulting in most banks turning us down based on debt to income (non-portfolio lenders). 

So as a NON CA world traveler, that was the "feel" of southern CA; tons of amazing potential and weather, views etc but with 3rd world problems that seem to be accepted and ignored by all. 

Most non-qm loan products will never have a 95% LTV due to the inherent risks associated with these type of loans not being traditionally backed by fannie or freddie (investment banks).

If you did, you could take advantage of some unique strategies, like renting it out while traveling (as long as it’s for 14 days or less) and having that rental income be completely non-taxable.

If you’re looking for that expert comprehensive service here don’t hesitate to reach out and we’ll see if it’d be a good fit!

The most common is leaning on your agent for their expert advice.

Even first-time flippers should be able to get these terms: Application/Credit Report/Upfront Fee: $0Appraisal Cost: $0Down payment: 10% of purchase price (= 90% LTV)Rehab funding: 100%Interest payments: Paid only on amount drawn (non-Dutch)Prepayment Penalty: $0Reserve Requirement: $0Max Funding: 80% ARVMax Funding 95% LTCClosing time: Measured in days, not weeksI hope this helps. 

Now it appears your cleaners might be cleaning non-STR properties also (home owners).

Work with a tax expert and real estate attorney to finalize the deal and navigate zoning or financing complexities.This post does not create a CPA-Client relationship.