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👁🗨 Sesemi STR Hot Sheet | 📲 STR Mortgages
Dear Sesemi STReet -
Even though Halloween is just around the corner - don’t fear if you have not closed your 2025 STR yet! We’ve helped over 20 STR investors close in just the past 20 months with zoned, ready to rent properties like the TWELVE listed below. ⬇️
ALSO- we are extremely proud to be bring to market one of the finest and most productive hospitality listings on the Oregon Coast in a very long time! Coming this Monday…is a very special 12 Room Boutique Motel X Sesemi offering - featuring a prime - Old Town Florence Inn. BONUS: This property is possibly eligible to qualify for Bonus Depreciation AND financing is already in place with our local CU or seller carry options!! Ask for details! 👁🗨
⌛️ With almost no time to spare we can help you cross the finish line on a lucrative 2025 STR (confidently) and with material participation to spare! Test our proven STRrategy - and median introduction to closing of 45 Days!
💡 Mortgage Options & Tools
With elevated prices and demand and coastal STR inventory persistently low, investors often must pay slightly above their targeted investment commitment to acquire the property of preference. To off-set, soften or improve metrics there are several strategies and tools borrowers should be familiar with:
Seller Concessions & Credits - Powerful tools for enhancing cash on cash returns, reserving capital for improvements, reserves or furnishings or outright better interest rates and lower payments. Credits can be negotiated before or during contingency periods and most investment properties are eligible for up to 2% of the sales price as a seller contribution.
A.R.Ms - If interest rates trend as anticipated, an adjustable rate mortgage is a viable option that can provide borrowers with greater buying capacity and lower interest contributions. What is an A.R.M.? It is a loan with a fixed interest rate for a defined period (2-3-5-7-10 years) and then adjusts based on the margin and index (usually higher). The catch? The loan eventually needs to refinanced or satisfied..The data? Most investors don’t stay in the same loan longer than seven-ish years..even if they own the property longer.
Interest only A.R.Ms - provide lower mortgage obligations with improved cash-flow. The catch? No principal payments. The data? Amortization schedules front end load interest meaning over the first 3-5 years there is a very small percentage towards principal payments - and “I/O” loans don’t restrict principal obligations but they provide the ‘option.’ Borrowers should have a clear understanding of these loan products before committing but are underutilized in today’s real estate transactions.
Shopping Lender Specials & Scenarios - It’s not always who you know, but what and when that can make the mortgage difference. Mortgage rate shopping is notoriously annoying and time consuming and difficult to obtain accurate rates or terms without an abundance of calls, credit checks and inconveniences. There are evolving services, but AI hasn’t quite replaced the experienced mortgage broker yet..One tool that has transformed efficiency of analysis and financing options for my investors is our recent strategic partnership with:
🟠 LOAN FACTORY and NMLS Mortgage Broker Mr. Joseph Chiofalo my trustworthy go-to loan officer of 20+ years. His 50+ Five Star Reviews often speak for themselves.
📲 WHY SO GOOD? The system empowers borrowers to transparently compare rates in real time - and highlights lenders with monthly specials or preference for your state, loan amount, credit and intention. I have seen significant savings in proposals - sometimes enough to make non-deals make investment sense. Their slogan is ‘Dare to Compare!’
Live rates and costs 24/7/365
Select closing cost or credit
Client-friendly interface (really!)
Nearly unbeatable rates and breadth of programs
Creative and custom lending solutions
📉To compare your current Pre-Qual, Loan Scenario, Refinance options or get Pre-Approved visit Joseph’s page directly or contact us for further details. Better rates, lower down payments, higher loan amount qualifications and efficient service have and continue to be difference makers for investors!