Loan? would it be possible?
Friday, November 26th, 2010 at
11:10 pm
I am intersted in purchasing some apartments. The Price is 355000 for eight units. I have a credit rating of 654. The property is multi zoned commercial and residential. The property is appraised at 455000 (according to seller). For a 15 year loan the payments would be around $3000. The rent at full ocuupancy is 6200. I only have around 10000 for a down payment. Is it possible to get a loan? maybe a SBA secured loan.
Related articles:
- How do I get a home loan? Last year my credit was challenged in such a way that I could not get a home loan. I was default on a student loan, I had two car...
- I applied for a Parent PLUS loan(not going to get it) so my question is about the subsidized student loan? Do they just give out monthly payments? I need it for housing, a laptop, books, etc. So pretty much I need it before the semester starts in January. I...
- I need information on getting a small personal loan around 3,000 to 5,000? My credit is ok to bad. This is all from student loans prior. Over the last two years my credit score went up a lot. I had a roomate...
- How do I raise a loan for $1.5 mill secured by a 2nd mortgage on an apartment complex valued at $7.5 mill? Am prepared to pay 10% + over 4-5 year loan. Great oppurtunity for investors, looking for secure investment. Located in Houston TX.Repossession ...
- Can you sell a property without paying all of the CCJ charges on it? I bought a flat a few years ago, but over time got into serious financial difficulties, resulting in CCJs and eventually additional charges being placed on the flat. So...
Filed under: flat mortgage










































most likely not. You are a subprime borrower (score below 680) with very little down payment ability and you aren’t considering the full price of the property. You will also have property tax, water and garbage (landlords pay those) and you haven’t said whether or not the building is fully occupied.
You’d also have to have money you could put aside each month for improvements to the building and repairs. Typically called CapEx, or capital expenditures.
You should go talk to an SBA lender, but I don’t think you are a good credit risk in this current economy.
Good luck.