Investor Resources

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.

Insurance built for Real Estate Investors, by Real Estate Investors

Digital

Application Process

Step 1: Get Started & Create Account

Click “Get Started” to initiate the application process. Provide your name, email address, and an estimate of how
much you’d like to borrow to kickstart your journey.

Step 2: Email Confirmation and Setting Password

After completing a brief account creation form, check your inbox for a confirmation email and click the link provided
to verify your email address and set a password.

Step 3: Finish Your Online Application

Once your email is confirmed and your account activated, you will be directed to complete the rest of your online
application. If you have any questions during the process, please call us at 833-250-7634 or send an email to contact-us@fmsinvestor.com. Welcome to the next step in your journey to financial success!

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

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.

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.

Putting more cash down when purchasing a property will lower the lender’s risk and therefore allow for a lower interest rate.

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.

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.

Purchasing a single-family home in comparison to a multi-family home in most cases will allow for a lower interest rate.

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.

Indianapolis Suburban Fix & Flip

Purchase Price: $170,000
Rehab Cost: $60,860
ARV: $275,000
Sold for: $300,000
Revenue above cost inputs: $70,000

This investor worked with us because her referral source told her we are excellent working with first time investors.

Chicago Bungalow Fix & Flip

Purchase Price: $110,000
Rehab Cost: $109,000
ARV: $490,000

This rehab turned out so well, the buyer refinanced the unit as a single-family rental and it appraised at $620,000.

Multifamily Fix & Flip

Purchase Price: $120,000
Rehab Cost: $200,000
ARV: $365,000
Sold for: $370,000
Revenue above cost inputs: $50,000

A gut rehab, this project became the basis for a long-term relationship with this client.

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

Call Us to Learn More

Let’s Connect to Discuss Your Real Estate Investment Goals.

(833) 250-7634

We’re here to help you succeed!

Leave us your information and one of our investment loan consultants will reach out to you shortly.

Company

Resources

Contact Info

All terms subject to credit approval. All loans must be solely for a business or commercial purpose and secured by a non-owner-occupied property. In AZ, CA, ID, MN, OR, UT, and VT, products are offered by BPL Mortgage, LLC NMLS ID #2574042. Products not available in ND, NV, or SD. In all other states not previously listed, products are offered by Constructive Loans, LLC d/b/a FMS Investor Financing.

Please visit www.nmlsconsumeraccess.org for additional licensing/registration information. All loans made and arranged in California pursuant to a California Financing Law License # 60DBO-82792. Rates, terms, and conditions are subject to change from time to time without notice. This advertisement is intended for mortgage professionals only.

*Based on tiering and diligence.
**Some exceptions apply. Discuss with your Investor Loan Consultant.

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.