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Case Study: Infinite Return on SFR

I posted this case study on my Facebook page last week. These loans are key to my portfolio growth. We’ve recently made the following changes to our program:

  • New maximum LTV is 80%
  • Interest rates for larger loans have been reduced
  • We now allow short term rental (AirBnB) and vacation rental (VRBO) cash flow streams

✅ 75% LTV
✅ 3.95% 30 yr Fixed Rate
✅ Loan in the company name
✅ Property Cashflow (NOT personal income) qualifies
✅ Not on my credit report
✅ No loan limits

The best thing about this house is I now have nothing in the deal. Here ya go:

1️⃣ Bought in 2018 for $140,000 on the MLS
2️⃣ Spent $30k fixing it up
3️⃣ Refinanced in 2018 for $120k (leased for $1,95/mo and appraised at $184,500 at closing) (3% in closing costs)
4️⃣ Net cashflow in three years was $-13,266.84 (Originally I had $50k out of pocket)
5️⃣ Just deposited $43,971.45 after refinance (Paid 5% in closing costs to buy down rate)
6️⃣ Cash position is now +$30,704.61 (return infinite)
7️⃣ Now rents for $1,625 and just appraised for $232,000
8️⃣ Deprecation is still running
9️⃣ Appreciation is still running
🔟 We have responsible leverage (including taxes, and insurance) that is covered by the rent by 125%.

If you have any financing needs, Apply online in 5 minutes without a credit pull!

Welcome To The Investor Well

Thanks for stopping by. InvestorWell was designed to give you options. I’ve bought nearly 2,000 houses in my career, and am always on the lookout for more capital. When Blackstone recruited me to start B2R Finance, it was my industry knowledge and expertise that enabled the company to translate their commercial loan offerings to main street investors.

InvestorWell is the next iteration in that process. I’ve couple together the pieces of a fragmented real estate market to give you the options you need. Whether you are buying the traditional Single Family home to flip or rent, or looking for a bridge loan on a multifamily project, you are in the right place.

In just a couple steps, you can use our online application to start your customized quote process. I know not all investors, or all deals are the same. I’ll treat everyone of you requests with the same care and concern that I demand on my on projects.

Let me know if you need help, I am here for you.

Tim Herriage