It is certainly the best time to buyer properties today as the interest rates are still low and the home prices have dropped significantly.  However as a result of the turmoil caused by the credit crunch, lenders have tightened their underwriting guidelines.  Today the challenge is not finding a good deal on a property, but rather financing it to make it cash flow with minimum out of pocket expenses.

            I have been working with investors to buy properties with some pretty niche loan programs lately.

            First I have several investment property loans at 90% LTV with SIVA (Stated Income Verified Assets).  All you have to show are bank statements!  I can do this loan for all 50 states!

            I also have another product that can get an investor into a deal with ZERO down.  Basically I can do a 85% cash out refinance of a property based on appraised value, NOT purchased price with NO seasoning requirements.  So if you buy a property at $200,000 and it appraised at $240,000, you can turn around and do a cash out refi for $204,000 making your initial purchase at zero down!