Primary Loan Programs Designed For Real Estate Builders
As a Mortgage Loan Originator with NEXA Lending—the largest mortgage brokerage in the country—Paul Jang gives you direct access to 200+ wholesale lenders, ensuring you get the exact loan product for your unique situation.
Which Loan Fits Where You Are Today?
From buying home #1 to scaling a 10-property rental legacy, each financing product serves a tactical purpose in your wealth building plan.
FHA Purchase Loan
The premier mortgage vehicle for purchasing your first home with as little as 3.5% down and flexible credit requirements.
Key Advantages:
- Minimum 3.5% down payment
- Credit scores down to 580 (and lower in select cases)
- Higher debt-to-income (DTI) allowances compared to conventional loans
- Eligible for 1 to 4 unit multi-family properties (house hacking)
- Gift funds permitted for down payment and closing costs
FHA 203(k) Renovation Loan
Finance both the home purchase AND the cost of required renovations or upgrades into a single monthly mortgage payment.
Key Advantages:
- Standard and Streamline (Limited 203k) options available
- Qualify based on the projected AFTER-REPAIR VALUE (ARV)
- Turn undervalued, outdated fixer-uppers into instant equity
- Covers structural repairs, kitchens, bathrooms, HVAC, additions, and roofs
- Low 3.5% down payment applies to total purchase + renovation costs
FHA Down Payment Assistance (DPA)
State, municipal, and proprietary grant programs that cover some or all of your required down payment and closing costs.
Key Advantages:
- Assistance grants (often forgivable over 3 to 5 years)
- Silent second mortgages with zero monthly payments until sale/refi
- Allows qualified buyers to purchase with little to $0 out-of-pocket cash
- Available for moderate-to-middle income homebuyers
- Combines smoothly with standard FHA 30-year fixed loans
Conventional Mortgages
Traditional conforming financing for borrowers with higher credit scores, offering cancellable PMI and premier long-term terms.
Key Advantages:
- Down payments from 3% to 20%+
- Private Mortgage Insurance (PMI) drops off automatically at 20% equity
- Lower monthly payments for borrowers with 720+ credit scores
- Can finance primary residences, second homes, and 1-4 unit investment rentals
- Available in fixed 15-year, 30-year, and ARM configurations
DSCR Rental Loans (Investor Special)
The engine of real estate scaling. Qualify based purely on the rental property’s cash flow—not your personal W-2, paystubs, or tax returns.
Key Advantages:
- No personal tax returns, W-2s, or employment verification needed
- Approval based on the property’s gross rent covering the monthly mortgage (DSCR ≥ 1.0)
- Close under your personal name or directly inside an LLC for asset protection
- No limit on the number of mortgaged properties (break through the 10-conventional-loan cap)
- Available for long-term rentals, short-term rentals (Airbnb/VRBO), and multi-family
HELOC & Cash-Out Refinancing
Unlock idle home equity from your primary residence or existing rental properties to fund the down payment on your next property.
Key Advantages:
- Stand-alone 2nd lien HELOCs let you keep your low 1st mortgage interest rate intact
- Interest-only draw periods give maximum flexibility during property acquisitions
- Cash-out refinance to consolidate debt or restructure your real estate holdings
- Repeatable funding mechanism: deploy equity into a new rental, build value, repeat
- Tax advantages for interest used toward real estate investments (consult CPA)
See Your Mortgage & Legacy Options
Whether buying your 1st home, accessing equity, or scaling rental properties with DSCR, Paul Jang personally structures your financing. No obligation.