949-245-5000
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Ruby Reds Home Loans

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Long-Term Loans

Do you need to purchase or refinance an investment rental property or portfolio? Our long-term financing allows for the aggregation of stabilized rental properties. RUBY REDS HOME LOANS, delivers speed, leverage, and consistency to both highly experienced and new real estate investors.

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5/1 ARM

6.75%+

PREPAYMENT PENALTY:
3% - 2% - 1% STEP-DOWN

7/1 ARM

6.99%+

PREPAYMENT PENALTY:
4% - 3% - 2% - 1% STEP-DOWN

10/1 ARM

7.25%+

PREPAYMENT PENALTY:
5% - 4% - 3% - 2% - 1% STEP-DOWN

 

 

WHAT MAKES THIS A GREAT PROGRAM?

  • Portfolio or single-asset loans
  • 30-year amortized loans with fixed initial interest-only payment period
  • Reasonable underwriting on cash flow requirements
  • Min. FICO: 600
  • Up to 80% LTV (Purchase, Rate and Term Refinance, Cash-Out, Refinance)
  • Stabilized rental properties (leased or soon-to-be leased)
  • No DTI requirements for borrower