Software Features


Software Features

Property Data

Research properties and their owners, compile lists, and more.

MLS Comps

A multiple-listing service comparable tool.


List your properties with Propelio Realty for incredible savings.

Short Sales

If you have an underwater property, our experts can help.

For Education


Interesting and valuable articles from Propelio and the industry.


Real Estate education platform led by a team of professionals.

Propelio TV

A channel that gives daily updated archive of our live video.

Discover Propelio

About Us

Get to know Propelio better – explore our story and mission.

Map Coverage and Brokers

Shows MLS coverage and broker transactions in your state.

Referral Program

Share Propelio with friends and family to earn exciting rewards

Template is not defined.
Play Video

Loan Products for Real Estate Investors: Insights from Brandi Wittmeyer, the Mortgage Master

If you’re in the real estate investing business, understanding the loan products available to you is crucial. In a recent episode of the Real Estate Business Mastery Show, experts Debbie Camacho Franco and Elizabeth Navarre sat down with Brandi Wittmeyer, known as the Mortgage Master, to break down these options for investors. Brandi brings 19 years of experience in the lending industry and has a wealth of knowledge about loan products for investors. Let’s dive into the key takeaways from their conversation.

Understanding Investor Loan Options

Many investors typically think of hard money or private money lending when financing properties. However, there are several other avenues to explore. Brandi highlights some of these different financing options that could be more beneficial depending on your situation.

Hard Money Loans

Hard money loans are often used by investors who don’t have enough liquid cash. These loans are based on the After Repair Value (ARV) of the property. For example, if you can buy a home for $50,000, invest $25,000 in repairs, and then the house is worth $100,000, a hard money lender might approve your loan. The drawback is higher fees and interest rates.

Conventional and Renovation Loans

If you have some liquid assets, consider conventional loans or even renovation loans, which usually have better terms than hard money loans. Fannie Mae’s renovation loan allows investors to incorporate the cost of repairs into their mortgage. With as little as 20% down, you can finance properties even if they require significant rehabilitation.

Commercial Loans

For more experienced investors, commercial lending might be an option. Commercial loans for one-to-four family residential properties are less restrictive than conventional loans. This could be particularly useful for investors looking to scale their businesses without getting bogged down by the constraints of traditional mortgage guidelines.

Moving Beyond the Traditional: Non-Standard Loans

Asset-Based Lending

If you’re an investor who doesn’t fit the traditional borrower profile, asset-based lending can be a lifesaver. These loans focus more on the asset you’re acquiring and less on your personal financials. This is incredibly useful for self-employed individuals, freelancers, or those with non-traditional income streams.

Mortgage Broker Advantage

Brandi’s company can broker out loans to over 35 different lenders, providing a wide range of options. This is in contrast to big banks that offer a limited array of in-house products. By leveraging multiple lending sources, investors can find more competitive and flexible loan options tailored to their unique circumstances.

The Burr Method: A Strategy for Long-Term Success

Brandi also touches on the popular Burr Method (Buy, Rehab, Rent, Refinance, Repeat). This strategy involves buying a property, rehabilitating it, renting it out, and then refinancing to pull out cash for the next investment. This method allows you to scale your investment portfolio more rapidly by continuously recycling your capital.

Buy and Rehab

Start by purchasing a property at a discount, performing necessary repairs, and adding value to increase the property’s overall worth.

Rent and Refinance

After the property is rehabbed, rent it out to create an income stream. Then, refinance to tap into the increased equity. For seasoned investors, refinancing through conventional, Fannie Mae, or even commercial products can be an effective way to pull out capital.


With more cash in hand, you can acquire more properties and repeat the process, ultimately growing your property portfolio at an accelerated pace.

Specialty Loans: VA Loans and ITIN Loans

VA Loans

Brandi encourages veterans to take advantage of VA loans. VA loans enable qualifying veterans to obtain mortgages with zero percent down payment and no private mortgage insurance. These loans are generally considered lower risk and easier to qualify for.

ITIN Loans

For investors without a Social Security number, ITIN loans and foreign national loans are particularly useful. These loans allow non-residents to invest in U.S. real estate, often with down payments as low as 20-30%.

Final Thoughts

In conclusion, understanding the diverse range of loan products available is essential for real estate investors aiming to maximize their investment strategies. Brandi Wittmeyer’s insights provide a comprehensive guide to various financing options, from hard money and conventional loans to more specialized products like asset-based lending and ITIN loans.

By leveraging these different avenues, investors can tailor their financing to fit their unique situations and goals. Whether you’re a seasoned investor or just starting, exploring these loan products can offer significant advantages and help scale your real estate portfolio efficiently.

show less

Leave a Reply

Your email address will not be published. Required fields are marked *

Recent Episodes

Play Video
78 minutes

Good morning, everyone! I’m Ron, and today, along with Daniel from Propelio, we’re...

Play Video
10 minutes

Exploring owner financing in real estate opens up a unique pathway to property...

Play Video
16 minutes

Max Maxwell has become a name to reckon with in the real estate...

Play Video
32 minutes

Getting into real estate can be daunting, especially when trying to secure private...

Play Video
47 minutes

Hey real estate enthusiasts! Today, I’m excited to share some invaluable insights from...

Play Video
33 minutes

Hey everyone, Grant Kemp here from Creative Cash Flow. Today, I want to...

Play Video
44 minutes

Good morning, investors! Today, we’re diving into one of the most crucial skills...

Play Video
43 minutes

Good morning, everyone! Welcome back to episode 5 of “Grant Teaches You Something.”...

Play Video
9 minutes

Hey there! Today, I’m excited to give you a quick rundown of how...

Play Video
10 minutes

Today, we’re diving into the basics of owner financing, one of my favorite...

Propelio TV

Do you love learning from your favorite hosts? Subscribe and we will notify you when we release new shows.