At Five Stars Mortgage we help many investors acquire non owner occupied mortgages on their Investment homes. We offer the highest loan to value at the lowest rates for our investor mortgage loans. Whether it's a second property, and rental property, or just a home you plan to flip Five Stars Mortgage can you help you get the financing fast. We have a huge range of products ranging from adjustable rate programs with introductory rates as low as 1.5%, investor interest only loans, or even fixed rate loans. we focus on partnering with investors to be able to provide them with a loan that fits each personal scenario. Investors keep coming back because we can close in as little as 7-10 business days and they know we get them the lowest rates possible.

Pros: Advantages of investment properties

Property has proved a relatively secure investment over recent past in Florida with returns above 10% in some metropolitan markets, but what should you consider before directing your savings to an investment property?

In general, property is considered a fairly low-risk investment, and can be less volatile than shares (although, this is not always the case). Some of the advantages of investing in property include:

• Tax benefits – a number of deductions can be claimed on your tax return, such as interest paid on the loan, repairs and maintenance, rates and taxes, insurance, agent's fees, travel to and from the property to facilitate repairs, and buildings depreciation.
• Negative gearing – tax deductions can also be claimed as a result of negative gearing, where the costs of keeping the investment property exceed the income gained from it.
• Long-term investment – many people like the idea of an investment that can fund them in their retirement. Rental housing is one sector that rarely decreases in price, making it a good potential option for long-term investments .
• Positive asset base – there are many benefits from having an investment property when deciding to take out another loan or invest in something else. Showing your potential lender that you have the ability to maintain a loan without defaulting will be highly regarded. The property can also be useful as security when taking out another home, car or personal loan.
• Safety aspect – low-risk investments are always popular with untrained "mom and dad" investors. Property fits this criteria with returns in some country areas reaching 10% per year. Housing in metropolitan areas is constantly in demand with the high purchase price being offset by substantial rental income and a yearly return of between 6% and 9%.
• High leverage possibilities – investment properties can be purchased at 80% LTV (loan to valuation ratio), or up to 90% LTV with mortgage insurance. The LTV is calculated by taking the amount of the loan and dividing it by the value of the property, as determined by the lender. This high leverage capacity results in a higher return for the investor at a lower risk due to having less personal finances ties up in the property (80% of the purchase price was provided by the mortgagee).

By choosing a property intelligently, investors can make this form of investment work for them. However, as with all investments there are some disadvantages to be aware of.

What we offer for Investors:

• Rehab Loans – Get financing based on the after repair value (ARV) of your potential investment. Ability to roll in all financing costs as well as rehab costs. Close in a matter of days. The more business you do with us, the less info the lender will require on future transactions! 
• Hard Money Purchase Loans – Obtain up to 70% of the appraised value of your investment. This allows you to cover the purchase price and financing charges and possibly even get cash back for any minor repairs your investment may need. Close in a matter of days.
• Blanket Loans – No need tofinance several smaller projects seperately. Include them all in one simple blanket loan. Great for developers or builders.
• Construction to Perm Loans – No need for multiple closings and double fees. Close one time and get all the financing you need for your construction project in one simple transactions.
• Cash out or Rate and term refi– Pull the equity out of your investments and use for newer better projects. Great terms and quick closing to help you retain and cash flow property and utilize the capital in the investment's equity.

Just like any other investment decision, you need to make an informed choice that's right for you. Make sure you get good investment advice and are aware of all the pros and cons before committing yourself and always read the fine print.

What differentiates us from the competition?

Five Stars Mortgage can provide some very flexible and lucrative program to investors. Some of the types of programs we provide to our current investor clients include:

• No seasoning on property value to use new appraised value on investor property
• Finance up to 100% LTV on investor properties with at least 6 months seasoning on title
• Low document and No document loan options to help with debt to income issues
• No limit to amount of loans financed
• Interest only options
• 40 year or 50 year amortization options
• Option arms with introductory rates below 2%

Five Stars Mortgage - The right choice for you

Five Stars Mortgage can provide higher loan values than most mortgage lenders. At Five Stars Mortgage we offer:

• Many years of Florida mortgage experience
• simple and expediant closings 
• Free loan application and mortgage consultations
• Easy online applications and tracking of your loan
• Jumbo and Super Jumbo loans
• Loans up to $4 million
• No-Doc mortgage for those with a score in the mid to upper 600's
• Mortgage financing options for those with a score of at least 500
• Use the highest of your three scores
• Deal with people that value your business. Our mortgage professionals understand that you are our number one priority. We are here to serve you and your needs