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Rental & refinance

DSCR LoansDSCR loans qualify rental-property investors on the property’s rent, n DSCR Cash-Out RefinancePull equity from a rental using its rent to qualify, not your income Short-Term Rental (Airbnb) DSCR LoansFinance an Airbnb or VRBO using projected or actual short-term rental Fix and Flip LoansShort-term fix and flip loans that fund the purchase and up to 100% of Bridge LoansShort-term bridge loans for investors buying before selling, stabilizi

Short-term & specialty

Hard Money LoansAsset-based hard money loans that close fast on investment property Ground-Up Construction LoansInvestor construction loans for new 1–4 unit builds: typical loan-to-c Portfolio & Blanket LoansFinance or refinance several rentals in one blanket loan with one paym Foreign National LoansMortgage options for non-US residents buying investment or second home Multifamily Loans (5+ Units)Financing for 5+ unit apartment buildings sized on net operating incom 1031 Exchange LoansFinance the replacement property in a 1031 exchange on a tight 45/180-Investment Property LoansFinance 1-4 unit rentals and investment properties with DSCR, conventi Mixed-Use Property LoansFinancing for mixed-use buildings (storefront + apartments): residenti Rental Portfolio RefinancesRefinance multiple rental properties into one portfolio loan: blanket Gap & Transactional FundingSame-day transactional funding and gap funding for wholesale deals, do

Buy or refinance

Conventional Loans FHA Loans VA Loans Jumbo Loans First-Time Homebuyer Loans Cash-Out Refinance Rate-and-Term Refinance USDA Loans FHA 203(k) Renovation Loans Condo Loans Second Home Loans HELOCs & Home Equity Loans VA IRRRL (Streamline Refinance)FHA Streamline Refinance VA Loan Eligibility Requirements VA Purchase Loans VA Cash-Out Refinance VA Refinance Options Compared Reverse Mortgages (HECM)Manufactured & Mobile Home Loans Land & Lot Loans One-Time-Close Construction Loans Fannie Mae HomeStyle Renovation Loans 2-1 Rate Buydown Loans 80/10/10 Piggyback Loans Assumable Mortgages Energy-Efficient Mortgages (EEM)Buy-Before-You-Sell Bridge Loans HUD Good Neighbor Next Door Townhouse Loans Duplex Loans Triplex Loans Fourplex Loans Mobile Home Loans Land Loans Short-Term Rental Loans 3% Down Payment Loans No Money Down / Zero-Down Mortgages 10% Down Investment Property Strategies Florida Homeowners Insurance & Mortgages Florida Wind & Hurricane Insurance Florida Flood Insurance & Mortgages HOA Guide for Homebuyers Mortgage Insurance Guide: PMI, MIP, VA & USDA Fees Credit Improvement Guide for Mortgage Applicants Property Tax Guide for Homebuyers

Self-employed & non-QM

Bank Statement Loans P&L-Only Loans 1099 Loans Asset Depletion Loans ITIN Loans Non-QM Loans Interest-Only Mortgages Physician Loans WVOE Loans (Written Verification of Employment)No-Ratio DSCR Loans 40-Year Mortgage Loans

Investor calculators

Loan Finder QuizFind your loan in 60 seconds DSCR CalculatorWill the rent qualify the loan?Bank Statement Income CalculatorTurn deposits into qualifying income Fix and Flip Profit CalculatorProfit, cash needed and max offer BRRRR CalculatorCash left in the deal after refinance Mortgage Payment CalculatorFull monthly payment, PITI

Homebuyer calculators

Home Affordability CalculatorHow much house can you afford?Refinance Break-Even CalculatorWhen does a refinance pay off?Cash-Out Refinance CalculatorHow much equity can you pull?Rent vs Buy CalculatorIs buying cheaper than renting?Closing Cost CalculatorEstimate cash to close by state Lender-Paid vs Borrower-Paid CalculatorPay the broker or pay the rate?Amortization Schedule CalculatorMonth-by-month payoff breakdown Extra Payment CalculatorHow extra payments shorten your loan Points & Buydown CalculatorIs buying down the rate worth it?PMI CalculatorPrivate mortgage insurance cost & drop-off FHA Mortgage Insurance CalculatorFHA upfront + monthly MIP VA Funding Fee CalculatorVA funding fee by service & down payment DTI CalculatorYour debt-to-income ratio LTV CalculatorLoan-to-value and equity Cap Rate CalculatorCapitalization rate for rentals Cash-on-Cash Return CalculatorReturn on your actual cash in Rental ROI CalculatorFull return: cash flow + equity + appreciation HELOC CalculatorHow much can you draw? What does it cost?Property Tax EstimatorYearly tax by price and rate

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Self-Employed Borrowers Real Estate Investors First-Time Investors House Flippers Airbnb & Vacation Rental Hosts Veterans & Military First-Time Homebuyers

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Glossary

What is Pre-Approval?

DefinitionA lender’s conditional commitment after verifying credit, income and assets.

Related terms

1031 Exchange
Amortization
Appraisal
APR (Annual Percentage Rate)
ARM (Adjustable-Rate Mortgage)
ARV (After-Repair Value)
Asset Depletion
Assumable Mortgage
Balloon Payment
Bank Statement Loan
Blanket Loan
BRRRR
Cap Rate
Cash to Close

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Juan Fernando RomeroMortgage Loan Originator · NMLS 2557318

Home loans and investment property loans from a licensed mortgage team.

(888) 647-9902
hello@instantmoneymortgage.com
160 S Dixie Hwy, Office #770
Hollywood, FL 33020
Open 24/7

Investor loans

DSCR Loans
DSCR Cash-Out Refinance
Short-Term Rental (Airbnb) DSCR Loans
Fix and Flip Loans
Bridge Loans
Hard Money Loans
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Portfolio & Blanket Loans
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Home loans

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Instant Money Mortgage is a trade name of Complete Mortgage LLC, a licensed mortgage broker. NMLS ID 2085547 · Loan originator Juan Fernando Romero, NMLS ID 2557318. 160 S Dixie Hwy, Office #770, Hollywood, FL 33020. Owner-occupied residential mortgage loans are offered nationwide; our licensed states are growing, submit your scenario and we will confirm the licensed loan officer for your state. Business-purpose loans secured by non-owner-occupied investment property are offered in states where permitted by law. Licensing and disclosures. This is not a commitment to lend or an offer of credit. All loans are subject to credit approval, underwriting guidelines, property eligibility and program availability, which may change without notice. Rates, terms and examples on this site are for illustration only. Other restrictions may apply. Equal Housing Opportunity.

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