Investment Loans in Redding, CA

If you have 20% to put down, a conventional loan may be the best option for you.
Call me, and we’ll figure out your options together.

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We offer a great selection of investment loans options

A Few of the Benefits

If you’re looking to invest in real estate, good options are available for financing. Megastar Financial is a very good choice for an investment loan, as we know the market locally and are willing to help customers invest.

  • Up to 80% Loan-to-Value ratio (LTV) for a single-income family.
  • Purchase 2-4 Units up to 75% Loan-to-Value. You may purchase two to four units at up to 75% LVT.
  • Fixed, adjustable-rate, or interest-only options available.
  • We’re prepared to close within 30 days.
  • Renting out investment properties can help cover the cost of mortgage payments.
  • You may benefit if the property increases in value
  • Interest in home investment loans is tax deductible.
  • Property investment is not necessarily as volatile as other forms of investment.

Why Invest in Real Estate

  • Stable long-term returns: Homes are an extremely reliable long-term source of money.
  • Strategic Investment: You can buy a home, repair it, and sell it for a profit.

Potential Disadvantages

Keep in mind that without a history of successful real estate investment, it may be difficult to secure a great investment loan. There are a few other difficulties with investment loans to be aware of:

  • Investors will be vulnerable to changes in the property market.
  • Entry and exit costs associated with real estate investment are fairly high.

Buying a Rental? Here Are Some Do’s & Don’ts



  • Use an agent who is experienced in buying rental properties.
  • Know your Return On Investment (We can help you with this).
  • As they say: Location, location, location. Think long-term when you buy.
  • Be conservative when calculating ROI. Purchasing rental properties is a risk.


  • Do not purchase based on emotion. Always KNOW exactly what you’re doing.
  • Do not purchase based on assumptions about the future unless you are getting an excellent rate of return.
  • Do not buy unless you have six months or more of reserves in the bank AFTER purchasing.

How to Calculate Your Return on a Rental Property

  • Add up the down payment + closing costs + repairs needed = Investment.
  • Subtract the total monthly amount you will be paying (PITI) from the gross amount of rent = Monthly Cash Flow. (“PITI” sounds like “pity” and stands for monthly principal, interest, taxes, and insurance).
  • Add up any monthly expenses including property management fees, monthly repairs, etc., and subtract this from the Monthly Cash Flow = Net Cash Flow.
  • Multiply the Net Cash Flow by 12. This is the Yearly Profit from the Rental.
  • Divide the Yearly Profit into the total Investment that you calculated in #1.