NMLS #2498240

Investor Plus

From ‘Fixer’ to ‘Fabulous
This loan helps investors improve properties' value and marketability within a limited timeframe.
  • Maximum LTV is based on after-repaired value.
  • No income requirements
  • No reserve requirements
  • No minimum or maximum repair cost requirements
  • Interest-only payments during the renovation period

This is a short-term balloon loan note that provides financing for the up-front cost to purchase of a non-occupied property. The loan remains in effect during the renovation period, allowing the investor to pay it off with proceeds from the sale of the property after improvements are complete.


  • The borrower must be a legal business entity.
  • Valid EIN-Individual Borrower guarantors must have SSN or ITIN-All persons with more than 20% ownership must be borrower guarantors.
  • Minimum 550 FICO-30% of the purchase price available in assets and used as down payment.
  • Verifiable property value (after improvement)
  • Eligible property types include 1–4-unit residential properties.
  • Maximum 2 acres.
  • Condos, manufactured homes, and rural properties are ineligible.
  • The maximum loan-to-value is 70% of the after-repaired value.

Loan Disclaimer

Not all applicants will qualify. Please meet with one of our licensed loan officers for more information. Rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Home loan programs are only available in Texas.

Loans are subject to borrower qualifications including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to program guidelines and Sociable Mortgage’s lending policies and are subject to change without notice.

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Our Signature Process

Let our expert team handle the complex mortgage process as you envision your dream home. We provide an efficient and enjoyable experience, allowing you to create a lasting home for yourself and your loved ones. Let’s work together to bring your dream to life.