Unlock Your Cash with Delayed Financing

How We Can Help to Turn Your Cash Purchase into Liquidity: Recoup Your Funds Quickly

Are you considering purchasing a property, or have already purchased one with cash but want to maintain liquidity for future investments or expenses? Delayed financing might be the perfect solution for you. At Innovative Mortgage Brokers, we help clients navigate the delayed financing process, allowing you to recoup your cash quickly and efficiently.

What Is Delayed Financing?

Delayed financing is a mortgage option that enables you to buy a property with cash and then refinance it shortly after the purchase (usually within 6 months) to retrieve your funds. This strategy combines the advantages of a cash purchase—such as a stronger negotiating position and quicker closing—with the benefits of financing, allowing you to keep your cash reserves intact.

Benefits of Delayed Financing

• Immediate Cash Reimbursement: Access your funds soon after closing without waiting for the typical six to twelve month seasoning period required for standard cash-out refinances.
• Competitive Edge: Cash offers are often more attractive to sellers, increasing your chances of securing the property.
• Investment Opportunities: Recovered funds can be used for additional investments, renovations, or other financial needs.
• Potential Tax Advantages: Mortgage interest may be tax-deductible; consult your tax advisor for personalized advice.

Key Requirements for Delayed Financing

To take advantage of delayed financing, certain criteria must be met:

• Sourcing Your Funds: The funds used for the cash purchase must come directly from you. You’ll need to provide documentation, such as bank statements, to prove the money was yours and not borrowed or gifted. This is crucial for lender approval.
• Property Eligibility: The property must be eligible for financing and meet all standard underwriting guidelines.
• Loan-to-Value (LTV) Ratio: Typically, you can refinance up to 75% of the property’s purchase price.
• Documentation: Provide a Closing Disclosure or settlement statement from the purchase, showing no financing was used.

Why the Source of Funds Matters

Lenders require proof that the cash used in the purchase was your own. This ensures that you’re not using borrowed money, which could affect your debt-to-income ratio and overall loan eligibility. Proper documentation of your funds enhances your credibility and speeds up the approval process.

How Innovative Mortgage Brokers Can Help

At Innovative Mortgage Brokers, we’re committed to making delayed financing straightforward and beneficial for your properties in Pennsylvania (PA) and Florida (FL):

• Experienced Guidance: Our team understands the nuances of delayed financing and will guide you through each step.
• Efficient Process: We streamline the application and approval stages to help you access your funds as quickly as possible.
• Customized Solutions: We’ll tailor financing options to suit your unique financial situation and goals.
• Transparent Communication: Expect clear and consistent updates throughout the process, so you’re never left in the dark.

Our Commitment to Your Success

We prioritize your financial well-being by:

• Maintaining Your Liquidity: Helping you keep your cash reserves for other opportunities or emergencies.
• Maximizing Investment Potential: Enabling you to reinvest the recovered funds into additional properties or ventures if this is something you choose to do.
• Providing Competitive Rates: Leveraging our network to secure favorable terms that align with your financial objectives.

Get Started with Delayed Financing Today

If you’ve recently purchased a property with cash or are planning to do so in Pennsylvania (PA) or Florida (FL), delayed financing could be a strategic move for you. Contact Innovative Mortgage Brokers today to explore your options.

Let us help you unlock your cash and turn your real estate investments into even greater opportunities for growth.