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Non Owner Occupied Hard Money Loans

People invest in real estate for a variety of reasons, among them is the fact that they are a ready source of income for retirement.  However, there is a clear majority who do not have that much cash on hand to buy a property outright. This is when they go to their local Lender for a home loan.  

Stricter lending regulations since the crash of 2008 have hindered many would-be buyers.  This is where we come into play, with just one main qualification for all our Private Money Programs:

  1. Decent down payment on a purchase, or good existing equity for a refinance.


With land becoming more and more precious in many parts of the country, especially California, even foreigners see the advantage of owning a piece of the land in the states.  As a result, more people are using real estate as a major investment tool in their wealth creation plan.

People will always need a place to live, whether temporary or long term.  If they do not desire to own their own property or cannot afford to buy now, your rental property is their answer – resulting in that additional monthly income for you.

Benefits Of Investing In Real Estate

Benefits of Investing In Real Estate

We are all aware of real estate’s ups and downs, but most agree that the real estate market is more stable than the stock market.  Another advantage of real estate over stocks is the fact that a far larger percentage of the purchase price can be financed than with stocks or other investments.  

Rental properties provide great cash flow and will always be around, where as your stocks may not. How many stocks seemed like a great investment, but plunged into oblivion before your very eyes?  What about the future cash flow of your investment? Rental income can be forecasted more accurately than other investments. You can easily discover the market rent, the neighborhood vacancy rate, the property management costs, property taxes and insurance.  

Unlike the stock market, you have more control over your financial investment. Appreciation may or may not happen sometime in the future, but rental property will produce more income over time, not less.  Rents go up and your mortgage payment holds steady and eventually disappears.


Why Use Hard Money For An Investment Property Purchase?

Starting out in 1988, offering hard money loans (also known as private money) to individuals for non-owner properties, we have helped thousands of individual investors buy their rental or other business property with success.  

Because of the benefits of our hard money programs, we can give you a step up in acquiring that investment property you want:

  • Fast Funding ability (many loans have been done in less than 5 days!)
  • We can finance up to $2Million+ (Loan amounts start at $150,000)
  • FICO is not a factor (bad or poor credit – we can still help you!)
  • Property condition not an issue (fixer-upper is ok)
  • Up to 65% – 75% Loan to Value (case by case basis)
  • Equal to an all-cash offer, allowing a fast closing date and making a stronger offer!

If investing in rental property looks like a viable option for your portfolio, Sun Pacific Mortgage can help get you that investment property!  Give us a call at 707-523-2099 or email us through our contact form below and we will let you know what we can do for you.

Don’t hesitate to CALL NOW (707) 523-2099 for a free proposal, have any questions answered, or to start your loan process.

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    * We ONLY Offer Loans for Real Estate.
    * Our Lenders do NOT finance mobile homes. Any manufactured house MUST be on a permanent foundation for us to consider financing it.
    * Minimum loan amount starts at $150,000.
    * ARV/Future Value Financing not available

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    Investment Property Loans