Jumpstart Your SFR Portfolio, pg. 49
than 20 fix/flip projects per year and only within the 1-4
unit residential arena. Line amounts start at $500,000
and go upwards of $5,000,000. Borrowers have 12
months to utilize the proceeds and 12 months to pay
back each draw. This loan has no prepayment penal-
ties.
For the more active investor, our Institutional Line
of Credit offers additional flexibility as it allows for both
residential 1-4 unit properties and commercial prop-
erties up to 20 units. The Institutional Line of Credit
is also a revolving line, meaning you can access the
funds multiple times. Line amounts start at $3,000,000
and can go as high as $50,000,000. Borrowers have
12 months to access the proceeds and typically 9
months to repay each draw. This is a non-recourse
loan and has no prepayment penalties.
Also important to note is that you can utilize either
the Entrepreneurial or Institutional Line of Credit to
build your own personal rental portfolio. Once you
have completed the renovations on your fix/flip proper-
ties, you can look to refinance your holdings into one of
Colony American Finance’s term loans.
NON-RECOURSE TERM LOAN OPTIONS
If your SFR rental portfolio has five or more prop-
erties, Colony American Finance is your option for
attractive financing options. Our loans are underwritten
like a commercial loan, which means no more debt-to-
income ratios hurting you when qualifying. Rather, your
portfolio is underwritten on the assets and the cash
flow generated from those assets. Plus, because we
lend across the U.S., a single term loan can be made
on portfolios with holdings in multiple states.
Our rates are competitive with traditional FNMA
loans, are amortized over 30 years and can be fixed for
five or ten years. Our loan amounts start at $500,000
and can go up to $100 million – and almost all term
loans are available on a non-recourse basis. Important
too, is that borrowers can have multiple tranches of
loans to facilitate estate planning or property manage-
ment issues.
Whatever your investment style, we have the capital
for either strategy. It’s an exciting time to be an inves-
tor; trends indicate that the rental market will continue to
improve over the next decade. Colony American Fi-
nance is ready to provide meaningful and cost effective
financing options for your portfolio.
Colony American Finance (www.colonyamericanfinance.
com) is the leading provider of low cost, non-recourse
revolving bridge & permanent mortgage financing for
owners of single family rental portfolios. Our affiliate,
Colony American Homes, owns more than 22,000
homes across the United States, so we approach lend-
ing from the perspective of the landlord-investor. Both
companies are owned and controlled by Colony Cap-
ital LLC, a real estate investment firm with $54 billion
invested, including a publicly-traded mortgage REIT.
When you work with Colony American Finance, you are
talking to a professional, experienced lender who offers
competitive rates, knows how to underwrite and get your
deals funded.
Please call 1844.CAF-CAF1 and visit us at
http://www.colonyamericanfinance.com to refinance
your rental portfolio or leverage your buying power with
a credit line. We have the capital for either strategy.
For two years, REI Wealth
Monthly has been delivering
vital industry news, tips and
insider secrets to success.
REIWealthmag.com
REGIONAL STRATEGIES
Auction.com recently released data that showed
investors are favoring buy-and-hold strategies over fix/
flip on a nationwide basis, but that investor intent varies
between online/offline investors, regions, and property
prices. Midwesterners and Southerners are more likely
to buy and hold whereas those in the Northeast are
more likely to fix/flip. Investors in the western states
are evenly split between fix/flip and buy/hold strategies.
Realty411Guide.com
PAGE 50 • 2016
Private Money411