Our Services
Empower Your Investment with Diverse Financing Options
Welcome to our world of Investment Loans, where your financial dreams take flight! Whether you’re seeking to expand your real estate portfolio, make renovations, capitalize on short-term rental opportunities, small business (SBA) loans, working capital, or secure funding for a unique property, our comprehensive suite of investment loans caters to your diverse needs.
With our expertise and diversity of loan options for investment properties, we provide the guidance and consultation you need for your investment goals.
200+
Lenders
so we can always make sure you get the financing that fits your needs, not the other way around
What We Offer
Investment Loans
We offer a number of investment loans to help you achieve your financial goals. Whether you’re looking to buy a property, fix up and flip a home, or expand your business, we have a loan that’s right for you.
DSCR Loan
A debt service coverage ratio mortgage, known as “DSCR”, is the ratio of operating income available to debt servicing for principle, interest, taxes, insurance, and HOA payments. It is a popular benchmark used in the measurement of a properties ability to produce enough cash to cover it's debt payments.
Air Bnb/VRBO
If you own a rental property or are considering investing in one, our Air Bnb/ Rental loans can provide the financing you need to get started. These loans offer flexible terms and can be tailored to your unique situation.
Fix and Flip
If you're a real estate investor looking to purchase, renovate, and sell properties for a profit, our fix and flip loans can help you get started. These loans provide the necessary capital to purchase the property and cover renovation costs, with flexible terms to meet your investment needs.
Bridge Loan
Our bridge loans are designed to provide short-term financing to bridge the gap between the purchase of a new property and the sale of an existing one. These loans can be useful when you need immediate funds for a property purchase but haven't yet sold your current property.
SBA
Small Business Administration (SBA) loans are government-backed financing options designed to support small businesses in various ways, including business acquisitions, working capital, and refinancing existing debt.
Unique Properties
At Sparrow Capital, we understand that every property is unique. That's why we offer Unique Property loans to help you finance properties that may not qualify for traditional financing.
Business Line of Credit
Our Business Lines of Credit can provide you with the working capital you need to keep your business running smoothly. These loans offer flexible terms and can be used for a variety of business expenses.
Self Storage Facilities
Self-storage loans are an important part of building or acquiring storage facilities, allowing the total cost to be spaced out over a 20-30-year period. Sparrow Capital understands the unique requirements of self-storage loans and is here to provide the guidance and financing necessary to get your project off the ground.
Multi Family
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Appointment
Unlocking Your Financial Potential Starts with a Conversation
Navigating the world of real estate financing can be complex. A personalized consultation with one of our specialists is the key to ensuring you’re fully aware of your financing options and making informed decisions to reach your goals.
- Personalized Assessment:
Our financing specialists begin by understanding your unique financial situation and real estate goals. This tailored approach ensures that the financing solution recommended aligns perfectly with your needs.
- Transparent Guidance:
No confusing industry jargon here. During the consultation, we break down complex concepts into clear, understandable terms. You’ll have a complete understanding of the mortgage process, rates, and terms.
- Customized Solutions:
Every borrower is different. Our specialists work to find the best possible mortgage solution for you, taking into account your financial goals, credit history, and current market conditions. We aim to make your homeownership journey as smooth and affordable as possible.
F. A. Q's
Frequently Asked Questions
Investing in property is a great option to build wealth and secure your future, but it often requires financing. Investment loans can help you bridge the gap between your available capital and the cost of your desired investment. Here are 5 common questions we get from our clients about investment loans.
The main difference between investment and residential home loans lies in their intended use and associated terms. An investment loan is specifically designed for properties you want to rent out for income or use as working capital, while home loans are for properties where you'll live.
The loan amount you qualify for depends on your credit score, income, existing debts, and property value. Usually, you can borrow up to 80% of the purchase price, but specific limits and requirements vary by lender. In general, loans for investment properties will require a higher down payment (20-25%%) compared to residential home loans.
Investment loans are considered high-risk by lenders, so interest rates on investment loans tend to be slightly higher than conventional home loans. However, rates may vary depending on the type of property, how well that property is cash-flowing, and what your experience is with owning investment properties.
Investment loans involve risks like vacancy periods, maintenance costs, and potential market downturns or loss in business. However, investment properties also offer benefits like rental income, potential capital growth, and tax advantages.
Yes, rental income or earnings from your business is taxable, but you can claim deductions for expenses like repairs and depreciation. Consulting a tax advisor is recommended to understand the specific tax implications of your situation.
Testimonials
Success stories of our clients
We’ve helped countless individuals and families achieve their real estate goals. Read inspiring stories from our clients and discover how we helped them turn their dreams into reality.
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George D. Coffey
