INVESTMENT PROPERTY PURCHASE

PROBLEM – Looking to purchase an investment property, but your tax returns don’t show the greatest income? Maybe you’re a self-employed business owner and don’t have W2s or Pay Stubs to prove your income? NO PROBLEM!

Accredited Mortgage Solutions (A.M.S) WON’T NEED TO VERIFY YOUR INCOME to purchase the investment or rental property that could change your life. All you need are the funds for the down payment (usually 20-30% down). It does not matter how long the money has been in your account, or how it got there (No seasoning or sourcing). Thousands of our customers are taking advantage of this program! It enables you to purchase a property & gain an asset, and essentially pay the ENTIRE mortgage payment through the property’s rent roll.

Can you imagine purchasing a property for $1,000,000 and essentially never coming out of your own pocket for the mortgage payment? In 10-15 years, you will be sitting on hundreds of thousands of dollars in equity! As the rents and property value increase, you’ll be able to pull out tens of thousands of dollars and we’ll help you finance your next one.

POWER IN THE PROGRAM


• No income verification required
◦ No tax returns, Pay stubs, or W2s
• 30-year terms
• Single digit interest rates
• Up to 80% LTV
• Fast closings
• No seasoning or sourcing of funds
• Minimum loan amount: $100,000 MINIMAL REQUIREMENTS:
• 620+ FICO required
• Must have funds for down payment (20-30%) plus closing costs THAT’S IT! – The only question is can you find, locate or raise 20-25%?

WE PROVIDE 30 YEAR TERMS WITH FIXED RATES IN THE SINGLE DIGITS!

INVESTMENT PROPERTY CASH-OUT REFINANCE

PROBLEM – Do you own an investment property and want to pull out cash, but your tax returns do not show great income? Or maybe as a business owner you don’t have W2s or Pay Stubs to verify your income? NO PROBLEM!!

Accredited Mortgage Solutions (A.M.S) will use the equity and rent roll of the property to provide you with a large cash-out (up to 75% LTV). NO INCOME VERIFICATION REQUIRED! Cash out HUNDREDS of THOUSANDS of dollars from your Investment property quickly with EASE!

POWER IN THE PROGRAM

• No income verification required
o No tax returns, Pay stubs, or W2s
• 30-year terms • Single digit interest rates
• Up to 75% LTV • Fast closings
• Cash out hundreds of thousands of dollars with no docs required!
• The more equity you have, the higher the cash-out
• Minimum loan amount: $100,000

REQUIREMENTS ARE MINIMAL

• MUST HAVE EQUITY IN PROPERTY
• 620+ FICO required

WE PROVIDE 30 YEAR TERMS WITH FIXED RATES IN THE SINGLE DIGITS!

INVESTMENT PROPERTY RATE & TERM REFINANCE

PROBLEM – Are you in a hard money loan? Do you have an upcoming balloon payment due? Maybe you can’t go to your local bank where you have been banking for 10 years to refinance because your income is not high enough? Maybe you took a lot of deductions on your taxes or don’t have the W2s, Pay Stubs or meet their credit requirements? NO PROBLEM!

Accredited Mortgage Solutions (A.M.S) will use the equity and rent roll of the property to transition your short-term hard money loan into a 30 year fixed. We can refinance your note into a 30 YEAR FIXED LOAN WITHOUT VERIFYING YOUR INCOME! Don’t lose your property to a balloon payment, stop paying those never-ending interest only payments.

POWER IN THE PROGRAM

• No income verification required
• No tax returns, Pay stubs, or W2s
• 30-year terms
• Single digit interest rates
• Up to 80% LTV
• Transition out of your short term hard money loan into a 30 year fixed
• Fast closings
• Minimum loan amount: $100,000 Minimal Requirements:
• MUST HAVE EQUITY IN PROPERTY
• 620+ FICO required

FIX AND FLIP PROGRAM

PROBLEM – Millions of people want to get into the hottest craze of buying and flipping but don’t have the capital to acquire the property and pay for the construction. NO PROBLEM!

Accredited Mortgage Solutions (A.M.S) will help secure 90% of the purchase price and 100% of the construction costs with 12 or 24 months to complete your project with no prepayment penalty.

Most business owners hold their wealth in real estate. The key to success is to buy low and sell high. Often, buying a house in need of major repairs and rehabbing it, then selling it to an end buyer is the way to earn large sums of money.

Thousands of entrepreneurs are taking their skills into the real estate arena. One of the most exciting markets is the rehabilitation market. You see success stories all over TV and you have seen the seminars. We have funded hundreds of business owners with our NO EXPERIENCE FIX & FLIP PROGRAM!

POWER IN THE PROGRAM


• We will lend you 90% of the acquisition cost of the property
• 100% of the construction cost (4 construction draws)
• NO EXPERIENCE REQUIRED
• NO PRE-PAYMENT PENALTY
• INTEREST ONLY PAYMENTS (12 or 24 months available) MINIMAL REQUIREMENTS:
• Minimum 600 FICO score

2, 12 or 24 MONTH BANK STATEMENT PROGRAM

PROBLEM – Traditional mortgage companies and banks will request your tax returns directly from the IRS when applying for a loan, Disqualifying millions of potential homeowners. It’s an underlying fact that one thing Americans do not like to do pay is taxes and in many circles people are educated on how to do this at all cost, whether it’s through filing extensions, writing off tens of thousands of dollars in deductions or not filing taxes at all. NO PROBLEM!

Accredited Mortgage Solutions (A.M.S) is going to look at your gross bank deposits to qualify you for that new home or investment property. We can even take all your deposits for the year and divide them by 12 to arrive at an average monthly number if you have sporadic deposits like many realtors and other sales driven professions.

POWER IN THE PROGRAM

• Can offer Cash Out Refinances or Purchases
• No income verification required
o No tax returns, Pay stubs, or W2s
• 90% LTVif the property is owner occupied (2 Month Program)
• 95% LTV if the property is owner occupied (12-24 Month Program)
• 75% LTV if the property is an Investment Property
• 100% Deposits Accepted MINIMAL REQUIREMENTS:
• Minimum 560 FICO (12-24 Month Program)
• Minimum 620 FICO (12-24 Month Program)
• Borrower only needs to own at least 25% of the business
• The business needs to have existed for at least the last 2 years
• We will allow combined P&L from 2 separate companies.

COMMERCIAL PROPERTY FINANCING

Flipping or selling a house may change your zip code, however purchasing the right commercial property can impact generations.

Accredited Mortgage Solutions (A.M.S) will be your solution to acquire that Multi-family, Mixed Use, Retail, Warehouse, Gas Station, Day Care, or Hotel/Motel!

POWER IN THE PROGRAM

Program 1
• Loan amounts 100K-$2M
• Up to 80% LTV
• Purchase, Refinance, or Cash Out with credit as low as 625
• Full Documentation Required – Tax Returns and 3 months Bank Statements or 12 months Bank Statements
• Stated Income – No Income Docs Required

Program 2
• Loan amounts 200K-$5M
• Up to 80% LTV
• Purchase, Refinance, or Cash Out with Credit as low as 500
• Full Documentation
• Tax Returns and 3 months Bank Statements • Or
• Stated Income/12 months Banks Statements/Rent Roll
• 3 Months Banks Statements/ ($200k-$5M)

Program 3
• Loan amounts 75K-$1M
• Up to 70% LTV
• Purchase, Refinance, or Cash Out with Credit as low as 500
• Full Documentation
• Tax Returns for loans over $500k
• Stated Income for 500k and below Owners with no credit issues (2 Years P&L with Credit Issues)
• Income and Expenses for Investment Properties

NON-US CITIZENS HOME OWNERSHIP PROGRAM (FOREIGN NATIONALS)

PROBLEM – Millions of individuals have migrated to the U.S. in hopes of a better lifestyle and to live the American dream. Part of that American dream is to own a home and business and until recently it was extremely difficult for a NON-US citizen to purchase a home or investment property. Traditional Financial institutions wanted to pull credit scores, tax returns and employment history. NO PROBLEM!

Accredited Mortgage Solutions (A.M.S) will secure financing for individuals with no credit profile, no tax returns or income verification. Although the borrower may not have a FICO score, we will accept one bank reference or one credit reference letter.

POWER IN THE PROGRAM

• We will lend up to 75% of the property’s value
• Loans up to $ 5,000,000
• No income verification required
• No FICO SCORE REQUIRED

MINIMAL REQUIREMENTS:
• CPA Letter or Employment Letter
• 1 Credit Reference Letter
• 2 months Bank Statements
• Must pass an OFACT search (Background Check)
• Foreign National borrowers only need 6 months mortgage payment reserves for the subject property. Assets held in foreign accounts are eligible for reserves.

** A Foreign National is anyone who was not born in the U.S. Any person, regardless of resident status who holds a passport from any country other than the U.S. is considered a Foreign National, unless they have legally obtained a U.S. passport.