Investment Property
Insurance
Our partner, Constructive Insurance, can provide a full range of business purpose real estate insurance options for everyone from beginner landlords to portfolio property investors. They offer coverage in all 50 states, including coastal regions, making them an easy choice.
Why Work with FMS Investor?
Access Off Market Listings
Our Investor Base program is an off-market property listing that matches investors with properties that fit their needs – talk to one of our Loan Officers about completing our survey so we can potentially provide you with properties that fit your real estate investment needs. Why work with any lender when you can build a relationship with an investor partner?
Factors For
Better Terms
Here are some things you may want to consider when determining which of our loan products would best fit your needs and help you meet your investment goals.
- Lower Loan to Value
Loan to value is the ratio of a loan compared to the value of the property. The lower the loan amount requested in comparison to the value of the property, the better your interest rate will most likely be.
- Higher Down Payment
Putting more cash down when purchasing a property will lower the lender’s risk and therefore allow for a lower interest rate.
- Borrower Project Experience
Borrowers that have experience purchasing and rehabbing properties will qualify for a lower rate. We typically look at rehab projects completed in the past 36 months when evaluating borrower experience.
- Credit Profile
In most cases, you will qualify for a better rate if your credit score is higher. Also, carrying low balances on revolving accounts like credit cards and making payments on time over a longer period can improve your credit score and lower your rate.
- Property Type
Purchasing a single-family home in comparison to a multi-family home in most cases will allow for a lower interest rate.
- Project Type: Heavy or Light Rehab
Projects that have rehab budgets that are less than 50% (typically requires cosmetic work only) of the subject property current value will allow for better terms vs. projects that are greater than 50% of the “as is” value, and require square foot expansion, a change in the floor plans, or a change in property type.
Investor
Success Stories
Discover the journey of new and seasoned investors who have leveraged our diverse investment funding options to flip properties nationwide. From novices taking their first leap into real estate to veterans expanding their portfolios, our tailored financing solutions have been instrumental in catalyzing their success. Let’s connect and help unlock your potential in the dynamic world of property flipping with our comprehensive investment products.
Document
Requirements/Checklist
It may expedite the application process if you have the appropriate documents available from the lists below for a specific loan type.
DSCR Loans
- Executed Property Loan Application
- Executed Purchase Contract (if purchase transaction)
- 2 Months Assets Statements
- Government Issued Photo ID
- Entity Documents (if closing in a business name)
- Subject Property HUD-1 (if a refinance and subject property owned less than 12 months)
Fix & Flip Loans
- Executed Property Loan Application
- Executed Purchase Contract (if purchase transaction)
- 2 Months Assets Statements (if single express loan)
- Scope of Work
- Government Issued Photo ID
- Entity Documents (if closing in a business name)
- Subject Property HUD-1 (if a refinance and subject property owned less than 12 months)
Lines of Credit
- Executed Line of Credit Application
- Government Issued Photo ID
- Fully Executed Personal Financial Statement
- Track Record Report & Proof of Track Record
- Two Months Assets Statements
- Most Recently Filed Personal and Business Federal Tax Return
Additional Resources
Playbook Articles
Our loan officers and insurance agents are often asked to contribute their expertise by writing articles for industry publications. We hope this information is helpful.
The Fix and Flip Playbook for Success
Buying property, doing some renovation work, then selling rehabbed property is one of the most logical ways for home investors to get started in real estate investing. You likely have heard about this with all the popular press and TV Shows like Flip or Flop…but what does it take to have some success. Continue Reading
The Ins and Outs of Real Estate Investing Insurance
Real estate investing moves fast. Especially in today’s market with rising interest rates, and supply chain issues, you don’t have time to waste. If you find a deal, you need to close—yesterday. Continue Reading
Managing Risk In A Buy-And-Hold Strategy
Congratulations — you have decided to hold onto your last renovation project and become a landlord. It’s a big step for any real estate investor but especially so for someone accustomed to turning fix and flips. Continue Reading
We’re here to help you succeed!
Leave us your information and one of our investment loan consultants will reach out to you shortly.
Contact Info
- 5426 Bay Center Dr., Suite 300, Tampa, FL 33609
- contact-us@fmsinvestor.com
- (833) 250 - 7634
All loans must be solely for a business or commercial purpose and secured by a non-owner occupied property. All terms subject to credit approval. Products not available in AZ, ND or VT. In CA, ID, MN, NV , OR and SD, products offered by Fay Servicing, LLC d/b/a Constructive Mortgage Services, NMLS ID # 88244 CA: Licensed by the Department of Financial Protection and Innovation. All loans made and arranged in California pursuant to a California Financing Law License # 60DBO-82792.
Please visit www.nmlsconsumeraccess.org for additional licensing/registration information. In all other states not previously listed, products are offered by Constructive Loans, LLC d/b/a FMS Investor Financing. Rates, terms, and conditions are subject to change from time to time without notice.
This website may be used by commercial lenders, brokers and borrowers and may not be used by members of the general public or residential owner occupied mortgage loan applicants in particular. The use of this website DOES NOT constitute an application for a mortgage loan and the pre-qualification and program recommendations generated by this website DO NOT under any circumstances constitute either a formal or informal loan approval or rate commitment. Terms and pricing recommendations generated by this website are subject to change without notice. Adjustable rate programs, fixed rate programs, pre-payment penalties, and applicable fees will apply according to separate guidelines and may change the nature of the pre-qualification and program recommendations generated by this website.
Please visit www.nmlsconsumeraccess.org for additional licensing/registration information. In all other states not previously listed, products are offered by Constructive Loans, LLC d/b/a FMS Investor Financing. Rates, terms, and conditions are subject to change from time to time without notice.
This website may be used by commercial lenders, brokers and borrowers and may not be used by members of the general public or residential owner occupied mortgage loan applicants in particular. The use of this website DOES NOT constitute an application for a mortgage loan and the pre-qualification and program recommendations generated by this website DO NOT under any circumstances constitute either a formal or informal loan approval or rate commitment. Terms and pricing recommendations generated by this website are subject to change without notice. Adjustable rate programs, fixed rate programs, pre-payment penalties, and applicable fees will apply according to separate guidelines and may change the nature of the pre-qualification and program recommendations generated by this website.
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