Traditional investment and rental property financing typically requires 20% down on residential properties of 1-to-4 units. 100% Non-Owner Occupied Loan Programs allow people who otherwise couldn't purchase this type of property, because of a lack of down payment, the ability to purchase property with zero down. The loan programs spans a wide array of lending options. The programs available may include an interest only option and loan type options of 2, 3, and 5-year ARM's or 30-year fixed rate programs.

100% financing for investors is a great way to be able to save money for future repairs and other investments.

Financing for 100% investor loans range from full documentation, bank statement income loans, stated income, no ratio and no documentation loans. Most loans do require a higher credit score than on owner occupied properties.

When investing in property or any business for that matter, you must always remember R-C=P. That stands for Revenue (Rents) - Costs (Mortgage, Taxes, Insurance, Maintenance) = Profit.

On single family investment properties, several attractive low payment negatively amortizing loans are available to maximize cash flows into the business.

Most popular mortgage loan programs used to finance investment properties are those with minimum monthly payments, such as Adjustable Rate Mortgages, Hybrid Mortgages with an initial fixed rate period of three to five years, and mortgage programs with a 30-year amortization but are due in 5 or 10 years. All these loan programs also have one common characteristic, a lower starting rate than Fixed Rate Mortgages. Most investors prefer low monthly payment loans simply to avoid monthly out-of-pocket expenses. Everything else being equal, an investment with cash inflow beats one with cash outflow any day.

There are also 100% No Doc programs for investment properties. Consult with your mortgage professional for the best program for your investments.

An investor may also purchase a property that is a four unit building or less and make one of the units their home. This way you can get a conventional owner-occupied loan from just about any lender. These loans, in contrast to loans for properties that are strictly investments, are purchased by Fannie Mae and Freddie Mac on the secondary loan market.

100% Financing is available for Single Family Residences, Duplex, Triplex, and Quads or Fourplexes.

Many borrowers would love the opportunity to purchase investment property however lack the upfront money to do so. With the ability to finance 100% of purchase price borrowers with lower assets are still able to become investors.

There are now many choices for 100% investment properties and many of these loans you can either buy out the prepayment penalty if it has one or you can get a mortgage with a soft prepayment penalty allowing you to sell the investment property without incurring any penalties.