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Max LTV for investment property in Washington

Posted on: 17th Nov, 2010 12:43 pm
I purchased a foreclosure at auction and I have spent the past 3 months doing a complete makeover. I have invested a total of $180K, and the property is worth somewhere around $225K. I plan to rent the property going forward.
I would like to place a mortgage on the property and pull out $190K - $200K. This would put me at 85 - 90% LTV, and the locals are saying the maximum is 75%. I keep seeing ads on the web for 90% - for investment properties.
What is the real story ?
Thank you
Mark
Hi markcollins!

Welcome to forums!

As far as I know, you will have to put down 20% in order to get a mortgage for the property. Not all lenders will be ready to give you a mortgage of 85% - 90% of the property value. This community has a large number of lenders. You can seek a no obligation free mortgage quote from the lenders of this community and check out whether or not they can help you in this matter.

Feel free to ask if you've further queries.

Sussane
Posted on: 17th Nov, 2010 06:47 pm
hi markcollins,

you're going to be limited to 75% max on an investment property because of the fannie mae and freddie mac guidelines. even if you lived in the home you would be capped at 85% for a cash out refinance on an fha loan or 90% on a va loan.
Posted on: 19th Nov, 2010 07:07 am
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