Residential & Commercial Home Financing Solutions
As a seasoned investor, you know that having consistent access to financing is essential. An investor home loan from Inspired Mortgage provides the liquidity you need to capture new opportunities while wrapping up existing projects.
Get Funding for Residential and Commercial Properties
Rehab Projects: Up to 95% of the purchase price + 100% of renovation costs
Rate-Term Refinance: Up to 80% of the As-Is Value
Cash-Out: Up to 75% of the As-Is Value
No Tax Returns Needed
Close in 7-10 Business Days
Get Pre-Approved
InspiredFundingNeed a Fix and Flip Loan or Cash Out on Your Rental Property?
Loan Programs
Inspired Funding's ARV Loan Program offers financing for up to 95% of the purchase price + 100% of renovation costs for rehab projects, not to exceed 75% of the after-repair value.
Plus, Inspired Funding only charges interest on your outstanding balance, not on the rehab holdback so you don't pay for the funds you aren't using.
LOAN CRITERIA
Collateral
Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; 5+ Unit Apartments; Mixed-Use Properties
LTV
Up to 95% of the Purchase Price + 100% of the Renovation Cost; Not to Exceed 75% of the ARV
Term
12 – 18 Months
Minimum After Repair Value
- • $100k for Single-Family
- • $100k for 2-4 Family
- • $375k for Multi-Family (5+)/Mixed-Use
LOAN DETAILS
Loan Amount:
$75k – $2M for 1-4 Family, Condos, & Townhomes $250k – $3M for Multi-Family (5+)/Mixed-Use
Minimum FICO:
650
Pre-Payment Penalty:
N/A
ARV Loan Program Typical Leverages & Rates
EXPERIENCE LEVEL:
Completed 5+ Fix and Flips in the Last 3 Years
LIGHT REHAB
Maximum Loan-to-Value
Up to 95% of Purchase Price + 100% of Rehab Costs
Maximum After-Repair Value
Up to 75% of the ARV
MODERATE REHAB
Maximum Loan-to-Value
Up to 92.5% of Purchase Price + 100% of Rehab Costs
Maximum After-Repair Value
Up to 75% of the ARV
HEAVY REHAB
Maximum Loan-to-Value
Up to 85% of Purchase Price + 100% of Rehab Costs
Maximum After-Repair Value
Up to 70% of the ARV
EXPERIENCE LEVEL:
Completed 1-4 Fix and Flips in the Last 3 Years
LIGHT REHAB
Maximum Loan-to-Value
Up to 90% of Purchase Price + 100% of Rehab Costs
Maximum After-Repair Value
Up to 75% of the ARV
MODERATE REHAB
Maximum Loan-to-Value
Up to 90% of Purchase Price + 100% of Rehab Costs
Maximum After-Repair Value
Up to 72.5% of the ARV
HEAVY REHAB
Maximum Loan-to-Value
Up to 80% of Purchase Price + 100% of Rehab Costs
Maximum After-Repair Value
Up to 65% of the ARV
EXPERIENCE LEVEL:
Completed 0 Fix and Flips in the Last 3 Years
LIGHT REHAB
Maximum Loan-to-Value
Up to 85% of Purchase Price + 100% of Rehab Costs
Maximum After-Repair Value
Up to 70% of the ARV
MODERATE REHAB
Maximum Loan-to-Value
Up to 85% of Purchase Price + 100% of Rehab Costs
Maximum After-Repair Value
Up to 70% of the ARV
HEAVY REHAB
Maximum Loan-to-Value
Up to 70% of Purchase Price + 100% of Rehab Costs
Maximum After-Repair Value
Up to 60% of the ARV
1. Complete Funding Application
2. Review the Term Sheet with Your Loan Officer
3. Order Appraisal and Title
4. Sign Mortgage Commitment
5. Get the Keys to Your New Property
Finding the investment home loan of your dreams is right around the corner. Take control of your fix and flip business by securing a mortgage for your very own rental property. Our team will take the stress out of putting the application together. Then meet with your loan officer to ease your worries and review your term sheet.
Inspired Lending Areas
Coming soon areas are in grey
