Loading
Investor Loans in Beverly Hills
Beverly Hills rental properties command premium rents but require significant capital. Most investors here need financing for multi-million dollar acquisitions.
Traditional banks rarely approve investor loans above $3M in this market. Non-QM lenders fill that gap with programs designed for luxury rentals.
The investor pool here splits between long-term rental holders and short-term flip operators. Each strategy demands different loan structures and exit timelines.
DSCR loans require the property's rental income to cover the mortgage payment. Most Beverly Hills properties qualify with 1.0 to 1.25 debt service coverage.
Credit scores start at 660 for portfolio loans. Expect 680+ requirements for properties above $2M or complex ownership structures.
Down payments range from 20% to 30% depending on property type and rental strength. Foreign nationals typically need 30-40% down.
No tax returns or W-2s required for DSCR programs. Lenders underwrite the asset, not your personal income.
Banks won't touch most investor deals here due to loan size and property complexity. Non-QM lenders understand luxury rental economics.
Hard money lenders fund quickly for flip projects but charge 9-12% rates. Use them for 6-12 month holds, not long-term rentals.
Portfolio lenders offer the most flexibility on loan terms and borrower qualifications. They keep loans in-house rather than selling to Fannie Mae.
Some lenders cap at $2M or $3M in Beverly Hills. We work with lenders who go to $5M+ on DSCR programs without mortgage insurance.
Most Beverly Hills investors overpay for hard money when DSCR loans cost 3-4% less. Shop both before deciding speed matters more than rate.
Rental comps determine your loan amount more than purchase price. Weak rental history kills deals even with 30% down.
Foreign national buyers should expect 12-18 week timelines. Documentation requirements quadruple compared to domestic investors.
LLC purchases need special attention. Some lenders require personal guarantees, others allow true non-recourse financing for experienced investors.
DSCR loans work for buy-and-hold investors who want rental income to qualify. Hard money suits flippers who need speed and exit within a year.
Bridge loans cover gaps between property sales and purchases. Interest-only payments keep cash flow lean during transition periods.
Conventional loans cap at $1,149,825 in high-cost areas. Beverly Hills properties blow past that limit, forcing investors into jumbo or non-QM territory.
Each loan type serves different investment strategies. We match your holding period and exit plan to the right financing structure.
Beverly Hills rental regulations limit short-term rentals. Your investment strategy must align with city ordinances before choosing loan terms.
Property taxes here run 1.1-1.2% of purchase price annually. Factor that into DSCR calculations or you'll underestimate qualifying ratios.
Luxury properties can sit vacant between tenants for 60-90 days. Lenders want to see 6-12 months reserves to cover those gaps.
Condo purchases face warrantability reviews. Some luxury buildings don't meet Fannie Mae standards, limiting you to portfolio or hard money options only.
Most lenders require 660 minimum, but 680+ gets better rates. Properties above $2M typically need 700+ credit scores.
Yes on DSCR loans. Lenders order rental market analysis to determine income potential even without existing tenants.
Expect 20-30% down for domestic investors. Foreign nationals typically need 30-40% depending on credit and property type.
No on DSCR programs. Lenders qualify based on property cash flow, not personal income documentation.
DSCR loans offer lower rates for rental holds. Hard money provides faster funding for flips but costs 9-12% interest.
Yes with portfolio lenders. They'll underwrite each property's rental strength rather than counting against debt-to-income ratios.
Mortgage financing for independent contractors and freelancers who earn 1099 income instead of traditional W-2 wages.
Mortgage programs that allow borrowers to qualify based on liquid assets rather than traditional employment income.
Non-QM loans that use 12 to 24 months of bank statements to verify income for self-employed borrowers.
Short-term financing that bridges the gap between buying a new property and selling an existing one.
Debt Service Coverage Ratio loans that qualify investors based on a rental property's income rather than personal income.
Mortgage programs designed for non-US citizens and non-permanent residents who want to purchase property in the United States.
Asset-based short-term loans primarily used by real estate investors for property acquisition and renovation projects.
Mortgages that allow borrowers to pay only the interest for an initial period, resulting in lower monthly payments upfront.
Home loans for borrowers who have an Individual Taxpayer Identification Number instead of a Social Security number.
Adjustable rate mortgages held in a lender's portfolio rather than sold on the secondary market, offering more flexible terms.
Non-QM mortgages that use a CPA-prepared profit and loss statement to verify income for self-employed borrowers.
Home loans with interest rates that adjust periodically based on market conditions after an initial fixed-rate period.
Specialized mortgage programs designed to support homeownership in underserved communities with flexible qualification criteria.
Mortgages that meet the guidelines and loan limits set by Fannie Mae and Freddie Mac for secondary market purchase.
Financing for building a new home or making major renovations, typically converting to a permanent mortgage upon completion.
Traditional mortgage financing not backed by a government agency, offering flexible terms and competitive rates for qualified borrowers.
Innovative loan products that leverage projected home equity growth to provide favorable financing terms.
Government-insured mortgages from the Federal Housing Administration with low down payments and flexible credit requirements.
A revolving line of credit secured by your home equity that allows you to borrow funds as needed during a draw period.
A fixed-rate second mortgage that provides a lump sum of cash by borrowing against the equity built in your home.
Mortgages that exceed the conforming loan limits set by the FHFA, designed for financing high-value luxury properties.
Loans for homeowners aged 62 and older that convert home equity into cash without requiring monthly mortgage payments.
Government-backed zero down payment mortgages for eligible rural and suburban homebuyers who meet income limits.
Government-guaranteed mortgages for eligible veterans, active-duty service members, and surviving spouses with zero down payment.