Real estate investors know that cash is often the key to the next opportunity. The more capital tied up in one property, the less you have available for the next purchase. Movement Mortgage presents Investor Plus, which could make all the difference.
With financing up to 90% LTV on single-unit investment properties and 85% LTV on 2- to 4-unit properties, Investor Plus enables qualified investors to purchase with less cash down while avoiding the added monthly expense of mortgage insurance.*
For investors focused on building and scaling a portfolio, that can mean keeping more capital available for the next opportunity.
Stretch Your Capital Across More Deals
Traditionally, investment property financing can require a significant down payment. Investor Plus changes the equation by allowing qualified borrowers to put as little as 10% down on a single unit property.
Consider a $750,000 investment property. With 20% down, an investor would need $150,000 for the down payment. With 10% down, that amount could potentially be reduced to $75,000. That is $75,000 of capital that could remain available for reserves, improvements, another investment, or other business purposes.
Higher leverage is not right for every investor or every transaction. But when liquidity and the ability to move quickly matter, having another financing option can be powerful.
Built for How Investors Actually Buy*
90% LTV | Single-Unit Properties
Qualified investors may finance up to 90% of the property value, allowing for as little as 10% down.
85% LTV | 2- to 4-Unit Properties
Investor Plus is not limited to single family rentals. Qualified 2- to 4-unit investment properties may be financed up to 85% LTV.
$0 | Mortgage Insurance
No mortgage insurance is required, even when financing above 80% LTV. That can help eliminate an additional monthly expense that would otherwise affect investment cash flow.
$2 Million | Loan Amounts
Loan amounts up to $2 million are available above 80% LTV, giving investors room to pursue higher priced properties.
Short-Term Rentals | Eligible
Short-term rental properties, including properties intended for Airbnb or VRBO use, may be eligible. Investors are not limited to traditional long-term rental strategies.
Purchase, Refinance, and Cash Out | Available
Investor Plus can be used for more than purchasing your next property. Eligible transactions include purchases, rate and term refinances, and cash out refinances.
Cash out transactions are capped at 80% maximum LTV, and proceeds must be certified for business purposes.
Who Could Benefit From Investor Plus?
Investor Plus may be worth exploring if you are:
- Buying your first investment property
- Growing an existing rental portfolio
- Purchasing a short-term rental
- Investing in a 2- to 4-unit property
- Looking to preserve cash for future acquisitions
- Refinancing an existing investment property
- Accessing equity for a qualifying business purpose
The goal is not simply to borrow more. It is to determine how to deploy your capital strategically based on your investment goals, cash flow, reserves, and future acquisition plans.
Could Investor Plus Help You Buy Your Next Property?
The best financing strategy is not necessarily the option with the largest down payment or the lowest loan amount. For an investor, the better question may be: How much capital should I put into this property, and how much should I keep available for the next opportunity?
Movement Mortgage can compare your down payment options, estimated monthly payment, cash flow, reserves, and future investment goals to determine whether Investor Plus makes sense for your strategy.
The Movement Mortgage team is here to guide you through the best option for your goals. Reach out today.
*Program terms, eligibility, loan limits, LTV requirements, reserve requirements, property eligibility, rates, fees, and underwriting guidelines are subject to change. Not all borrowers or properties will qualify. Additional restrictions may apply.