Financing in 92120>Question Details

Ed5cgs, Home Buyer in 92120

I'm in the market for invest prop and I'm trying to locate a site which lists rates and points based on % down so that I can calculate ROIs.

Asked by Ed5cgs, 92120 Sat Mar 3, 2012

I'm in the market for invest prop and I'm trying to locate a site which lists mortgage rates and points based on % down (20 or 25) so that I can calculate ROIs. The units would be non owner occupied

0 votes Share Flag Financing in 92120

Help the community by answering this question:


I'm a lender in the Sacramento area, I can help you analyze your expected returns, and various aquisition costs involved....

BTW - As of Apr of last year, there are no more upfront points charged by brokers, only the big retails companies can still do this (Wells, BofA, Citi, Chase, etc) CAN still pay discount points when buying down the rate. Unless the loan officer is being paid on a hourly basis (not typical), then our compensation is paid to us by the lender, 100% that it..

Re a website to analyze ROI, I don't of one offhand, but again can help you run numbers if you like!

Good luck and best regards, Jeff Marr
Alpine Mortgage Planning
0 votes Thank Flag Link Sun Mar 18, 2012
The investor market has growing substantially in San Diego and it's important to have an experienced Realtor who knows how to calculate cost of repairs, ROI, costs and resale amount. Also, you need to be able to work fast. Knowing the investor neighborhoods and resale value will help you because often these properties get multiple offers and are gone in days or hours.
I know the investor opportunities, I can help you safely enter the market and get you a great deal.
0 votes Thank Flag Link Sun Mar 18, 2012

The best place for the investment infomation you seek is

Just plug in the address or area and you will have all the info you desire at your fingertips.

Good Luck!


Mark DeWitt
National Residential
San Diego, Ca.
0 votes Thank Flag Link Thu Mar 15, 2012
My pleasure to assist you. Call me or e mail at your convenience and we will be happy to quote your real rates, costs and terms in REAL TIME based upon Investment programs fitting your specific needs.

Best wishes,
John Georges
1-888-619-4858, ext.12
Web Reference:
0 votes Thank Flag Link Sat Mar 3, 2012
Hi Ed,
I can put you in touch with a great lender that is always on hand to run numbers for you. She really knows her stuff and takes care of all my clients the way I would.Allied Gardens is a great area for income property due to it's proximity to State. Feel free to contact me directly for more assistance.

Sinead McAllister
McAllister Homes Real Estate
0 votes Thank Flag Link Sat Mar 3, 2012
Ed --

Have you tried There you can find some of the info you're looking for, however you should really be talking to a lender .... they can get all your financials and zero in on your specific situation ...

I can recommend a couple trustworthy loan brokers (lenders) if you're interested. Just send me your private contact info and I'll get it right out to you ....

PS: No cost or obligation of course.....

--Rod --
Serving San Diego Families for 30 Years!
0 votes Thank Flag Link Sat Mar 3, 2012
if you're looking for an easy to use interest rate calculator online, I would be wary. There are over 20 different variables used when calculating your interest rate. your best bet would be to contact a lender directly that you're comfortable with and then get the information, fresh.

I have helped many investors in this regard so please feel free to contact me directly if I can be of help to you.

All the best,

Roswell Moore, CMPS
Web Reference:
0 votes Thank Flag Link Sat Mar 3, 2012
This site is good for rates and points.…
I also have a ROI calculator that I can email if you like.
If I can be of help, I would like to discuss your needs and see if I can help you find properties that match your investment strategy.

I am never too busy for your referrals

Jerry Heard
Your Broker
The San Diego Property Shop
Direct 619-920-9796
Office 619-269-5545
Fax 619-269-9168
CA DRE # 00648687
0 votes Thank Flag Link Sat Mar 3, 2012
Good morning!

This is difficult to do since most all lender websites do not use credit score, a must component, in determining rate and points, let alone quote non-owner loans. Pricing on two units is substantially different than on 3-4 units. And the positive/negative rents are a factor as well. Many lenders are not using +/- net rents depending on whether they are selling to a conduit or directly to Fannie or Freddie Mac. US Bank and Union Bank normally portfolio some or all of their loan product but tend to be quite conservative when lending on non-owner 2 to 4 units.

5+ units are a whole different ballgame.

It's complicated as you can see.........

I suggest getting with a good lender that lends direct AND can broker, typically a mid-size correspondent lender, that you can partner with you and your real estate agent.

If I can be of more help, drop me a line.

0 votes Thank Flag Link Sat Mar 3, 2012
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