Unique Situation

i am trying to cashout refi a condo.

i need to go no doc due to being on workers comp (legit)

my scores are 725-734-748

at voe if company reveals to lender that i`m on comp

will that kill deal. any one else ever have this situation.

Comments(22)

  • finniganps28th June, 2007

    If you run into problems, you could also try a HELOC. The rate will probably be higher, but you can probably get it through faster and with fewer problems.

  • kevnhl2529th June, 2007

    THANKS FOR YOUR RESPONSES
    THIS IS A RENTAL IN A NON CONFORMING CONDO
    COMPLEX 95% INVESTORS WITH ONE INVESTOR
    OWNING 12 OF THE 54 UNITS. THE BROKER SAYS HE CAN GET IT DONE 70%LTV 7.5% 5/1 ARM CLOSING COSTS
    OF ABOUT 2,700 0N A $105,000 LOAN. WITH MY SCORES
    DOES THIS RATE SEEM HIGH

    THANKS AGAIN

  • smoothfingers10th October, 2007

    if you have pretty good reserves i would shop around for a better deal, especially with those scores.

  • cjmazur10th October, 2007

    disabled or not, you have to document your income.

    Soing them a 1099/w-2 or however WC is paid would be fine.

    The only concern that would have is HOW long will you be on WC?

  • cjmazur30th September, 2007

    many title companies will do farming for you.

    I was interested in lots 15K or larger that has not been rennovated in 30 year.

    The producted a CSV file for me.

  • my69mustang2nd October, 2007

    Thank you. That is very helpful

    Joseph

  • smoothfingers10th October, 2007

    if this is for properties on the market why not contact a realtor and ask for their free mls account. the only thing is they will want you to work with them on any possible transaction stemming from there mls access.

  • cjmazur16th October, 2007

    sba lending
    have you asked how much he will take back?

  • stdavid17th October, 2007

    Poor credit and no money down? How about a co-signer and a partner with some cash?

  • stevenjr19th October, 2007

    does the owner and any family work there,how much do they take home.A private place like this 92000 yearly in sales should net 20-25k to a good operator.

  • JDC2120th October, 2007

    You need to check with the main HQ of whatever chain you are interested on getting and find out who the closest franchisee is in the area and contact them...[ Edited by JDC21 on Date 10/20/2007 ]

  • cjmazur21st October, 2007

    you can also find out what national broker chain represents them.

    See who the "chainlinks" affiliate in the area is.

  • cjmazur23rd October, 2007

    take a equity partnet for 10% is what comes to mind.

  • pmatheson124th October, 2007

    Have the seller agree to give you a 10% 2nd after closing. This is a separate transaction, therefore a separate contract. (And separate escrow)

    You put up 20% and close... Lender is satisfied. Seller lends you 10% after closing.

  • DCL24th October, 2007

    Would the seperate contract be a non real estate contract? Would the language have to say that the 10% the seller is giving me is in exchange for some specific service or anything else?
    Thanks for dummying it down for me.

  • erica22224th October, 2007

    I am looking into a 8 unit complex in Florida. What should my passive income be in order to make it worth buying a 668k property?

  • d_random24th October, 2007

    Erica-

    I would make a new post for this question, probably get more responses.


    Quote:
    On 2007-10-24 13:11, erica222 wrote:
    I am looking into a 8 unit complex in Florida. What should my passive income be in order to make it worth buying a 668k property?

  • cjmazur13th October, 2007

    what city is this in?

  • smoothfingers13th October, 2007

    (allston) boston, ma

    heres a link with some info:

    http://www.citysquares.com/allston_village.html?gclid=CNX1sI-GjY8CFSZhIgodf0WaGg

  • dude1e23rd October, 2007

    I do not see within this site where you can reply by email and do not know if you can include contact information or not

    You an do a llot better,we have a 42 unit in arkansas,appraised at 1.2mil with 240k income,8-9k expenses without debt service you can pick up and it is not even listed,0 vacancy

    Ed **Please See My Profile**

  • smoothfingers25th October, 2007

    the total operating expenses for the year is $16,440.05. that info is for the 4 family originally posted.

  • gregf25th October, 2007

    Dude1e, I would like more info on the Arkansas property. Can you provide more info?

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