INVESTOR'S GUIDE
INVESTMENT FINANCING
MADE EASY
THE LENDER TEAM
SHORT-TERM DEBTCOVERED SERVICE RATIO
The Short-Term Debt Covered Service Ratio
program is a viable alternative for investors
who utilize hard money. With aggressive
pricing and lower upfront fees, the short-term
DCSR program may offer a refreshing
alternative to hard money loans. Here are
some highlights.
Up to 80% LTV based on borrower
experience
Minimum 3 months reserves based on
interest only payment; loan amount >
$2M requires 6 months Loans up to $3
million
SFR and 1-5 Unit property
12 month fixed, interest-only payment
with a balloon
No pre-pay and escrow is not required
This loan product is a great option for fix
and flip investors. With better pricing than
hard money loans, investors can keep more
cash in their pockets. This loan product is
intended to finance the acquisition of the
property and not the repairs.
The Lender TeamKris Brinton
[email protected] | (813)390-8862
LONG TERM DEBTCOVERED SERVICE
RATIO
The long-Term Debt Covered Service
Ratio Program is perfect for investors
who need a flexible program to help
scale their investment portfolio. Here
are just a few of the program highlights.
Loans to $5 million
1 to 5 units
30-year, 15-year, 5/1 and 7/1 ARMwith interest only paymentsavailable
No income/employmentverification
No DTI requirements
Short term rentals allowed
Closing in an LLC permitted as long
as borrower has 100% ownership Up
to 80% LTV
This product is designed with the
investor in mind. No tax returns, pay
stubs or W-2's required making this a
truly user friendly investment product.
The Lender TeamKris Brinton
[email protected] | (813)390-8862
NOTES
PROPERTY ADDRESS
Property Type (SF/MF)
Purpose (Buy and Hold/Fix and Flip)
List Price $
Number of Units
Sq Ft (Per Unit)
Beds/Baths (Per Unit)
ARV $
Repair Estimate (If Applicable) $
Current Rent Income $
Market Increase Potential $/%
Purchase Price $
PROPERTY ADDRESS
Property Type (SF/MF)
Purpose (Buy and Hold/Fix and Flip)
List Price $
Number of Units
Sq Ft (Per Unit)
Beds/Baths (Per Unit)
ARV $
Repair Estimate (If Applicable) $
Current Rent Income $
Market Increase Potential $/%
Purchase Price $
NOTES
PROPERTY ADDRESS
Property Type (SF/MF)
Purpose (Buy and Hold/Fix and Flip)
List Price $
Number of Units
Sq Ft (Per Unit)
Beds/Baths (Per Unit)
ARV $
Repair Estimate (If Applicable) $
Current Rent Income $
Market Increase Potential $/%
Purchase Price $
PROPERTY ADDRESS
Property Type (SF/MF)
Purpose (Buy and Hold/Fix and Flip)
List Price $
Number of Units
Sq Ft (Per Unit)
Beds/Baths (Per Unit)
ARV $
Repair Estimate (If Applicable) $
Current Rent Income $
Market Increase Potential $/%
Purchase Price $
PROPERTY ANALYSISGUIDE
Income
Rental Income $
+
Laundry Income $
+
Storage Income $
+
Miscellaneous Income $
Total $
Cash Flow
Total Monthly Income $+
Total Monthly expenses $=
Monthly Cash Flow $
Expenses
Taxes $Insurance $
Water/Sewer $
Garbage $
Electric $
HOA $
Repairs $
Vacancy $
Mortgage $
Capital Improvements $
Prop Management $
Total $
Cash on Cash Return
Down Payment $
Closing Costs $
Rehab Budget $
Other $
Total Investment $
Annual Cash FlowTotal Investment $X100
Cash on Cash Return $
INVESTMENT GOALS
Number of properties acquired per year:
Income goal per property:
Fix and flip or buy and hold:
Kimberlee CurtisReal Estate [email protected]# 3398506
Kris BrintonLoan [email protected]# 1756300
Call | Email | Text
Kimberlee Curtis is exactly the Realtor you want to represent you. She has had a 15 year careerspanning over $400 million in project management, real estate development, buying and selling—there is really no aspect of real estate that she has not faced and conquered.
Kimberlee’s clients adore her laid-back style, balanced by her patience, friendliness and sharp marketknowledge. She excels as a buyer’s agent and investor specialist, drawing satisfaction from helpingher clients find their dream home or perfect investment property! Her team at The KEC Group isready to guide you through the real estate process from contract to close.
Kimberlee understands that Florida’s friendliest metropolis is undergoing a growth boom. Withmulti-billion dollar projects underway, such as Water Street Tampa and The Westshore MarinaDistrict, Tampa is undergoing a modern transformation. Her 15 years in real estate development andconstruction drives her determination for her clients and their success. She would love to know whatyour real estate goals are—and to help match you with the right properties to attain those goals!
Kimberlee’s favorite neighborhoods in Tampa for work (and play!) include The Channel District,Harbour Island, Davis Island, Hyde Park and the spectacular Bayshore Boulevard! Some of herfavorite local hot-spots include District Tavern, City Dog, Mole Y Abuela, Ocean Prime and Eddie V's.She looks forward to meeting you and discussing your exciting future in Tampa real estate!
WHO WE ARE
Kris Brinton has extensive experience in the lending space. His experience spans from everythingfrom first time home buyers, to serious investors and our community's veterans. His deepunderstanding of these complex financial products coupled with his ability to create a personableexperience ensures that his borrowers have a seamless yet effective process.
Funding over $1 million dollars in loans per month creates a proven track record of effective lendingpractices. By taking a consultative approach to the home loan process, Kris is able to identify hisborrowers financial goals.
Kris Brinton maintains a firm belief that everyone has the right to pursue their own idea of theirperfect home. Having a place to call home has been an integral motivator in Kris' career. Hailingfrom Perm, Russia, Kris grew up in Tampa, FL and has been passionate about helping peopleachieve a place they can call home.
Kris firmly believes that real estate is one of the most effective ways to build wealth. He has helpednumerous investors increase their real estate portfolios by assisting them with strategies andnavigating investment mortgage product options. By providing flexible financing options mixedwith a deep understanding of real estate investing, Kris' investor clients have increased cash flow,portfolio size and have been able to keep more money in the bank.
Top Related