Investing in real estate is a great way to build your financial wealth.

Unfortunately, most banks have guidelines that can restrict a Real Estate Investor’s ability to finance multiple properties. 

Calvert Home Mortgage specializes in working with Real Estate Investors and their Mortgage Brokers. 

We lend to flippers who are buying to fix up and resell properties for a profit. We also lend to BRRR clients who buy, renovate, rent and refinance properties. If you are a BRRR or flip client we can all work together to maximize your leverage. 

Along with your mortgage broker, we will create a plan to get you the capital you need to cashflow your properties. Whether you have one property or 100, we are here to help.

Gain Real Estate Investing Superpowers By Using Smart Leverage To Finance Your Next Home

Less Paperwork

With Calvert Home Mortgage’s single application, you can focus on buying, selling, and renting out properties – not on exhaustive paperwork.

Lending on the After Repaired Value

We value your property as though it’s already renovated, unlike other lenders who lend on the ‘as is’ value. We offer up to 80% LTV After Repaired Value (ARV), making it easier for you to reach your goals.

Small Down Payment

Less money down means more investment opportunities. Start with as little as $10k down! A minimal down payment allows you to maximize your opportunities. We call this smart leverage.

Pre-approval on a Personal Basis

We can pre-approve Real Estate Investors on a personal basis. A one-time credit approval means more time to spend building your portfolio of investment properties.

In-house Services = Fast Analysis & No Appraisal Fee

We provide numerous in-house services, saving you valuable time and money. Calvert Home Mortgage in-house legal services mean reduced legal fees and a highly efficient legal process. We offer same-day valuations, done by our in-house real estate analysts and at no additional cost. Just like you, we value a property based on After Repair Value (ARV).

24 Hour Approval

Good deals sell fast, and you need to close quickly. Experience our simple and fast lending application process.

No Payout Penalties

Traditional financial institutions have payout penalties. Calvert Home Mortgage welcomes early prepayment. This mortgage product is fully open, and there are no payout penalties – ever.

Making Sense of the Numbers

Together we can quickly calculate the renovation budget and purchase, financing, operating, and selling costs. By understanding all costs involved, you can find and complete better, more profitable deals.

Focus on Knowledge

We view lending as a partnership and provide capital, tools, and advice to help you generate more profits. We are continually creating and developing tools, content, and sending out resources to support you on your real estate investment journey. Our team of real estate experts look at hundreds of deals a month and they are happy to share their knowledge!

Expert Help Every Step of the Way

All of our underwriters are real estate experts. With our 45 years of experience, our team can provide you with investment advice that saves you time, frustration, and money. We know exactly what it takes to make successful real estate decisions.

Meet our team of expert advisors.

Our goal is to support you in being profitable on every deal.

Calvert Home Mortgage | Our goal is to support you in being profitable on every deal

What Makes A Successful Flip?

  • Buy right
  • Renovate for the market
  • Stick to a budget
  • Quick renovation
  • Understand renovation costs
  • Know your numbers

We provide customized Real Estate Investor ‘Fix & Flip’ lending solutions.

Get a second opinion on your real estate valuations and renovation plan.

We Love Empowering Real Estate Investors!

It has always been a pleasure working with Calvert Home Mortgages

I am a long-term associate in the real estate industry and I can tell you that Calvert has been an exemplary lender to work with. I have worked with multiple clients of theirs. The personal service is like a small-town branch, not a big unfeeling bank. I do not hesitate to recommend talking to Calvert for your borrowing needs.  I like them so much, that I and my wife invest with them.

Calvert Home Mortgage | Christopher A
Christopher A

Founder of https://www.real-estate.ca

Our Underwriting Philosophy:

Profitability Comes First

Your success is our primary goal, and profitability is our first underwriting filter. We partner with you and your mortgage broker to make careful real estate investment decisions to maximize your profits.

Lending For Success

We set investors, flippers, and BRRR clients up for success by lending up to 80% Loan-to-Value of the After Repaired Value. You just cover the cost of renovations and make monthly interest-only payments.

We work with our BRRR clients and their mortgage brokers to refinance once the property is renovated and rented. This approach reduces short-term mortgage financing costs. 

The Calvert Home Mortgage Team is committed to providing Mortgage Brokers with up-to-date industry information and resources:

Reports

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Mortgage Calculators

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Educational Videos

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Providing An Effortless Experience Since 1975

We are a family-operated business with a fund of ~$120M.

Flip/BRRR Mortgages make up 30% of our business. 

We place a significant focus on short-term lending with exceptional customer service and mortgage broker partnerships.

WHERE ELSE WILL YOU FIND:

  • Capacity to offer mortgages for high-volume investors.
  • Low down payment options.
  • Help new investors to get into the real estate business.
  • A focus on short-term lending options.
  • Flexible lending to investors with unique or challenging circumstances.
  • Simple and fast lending process with a 24-hour commitment.

Learn More About Our Flip and Buy, Renovate, Rent and Refinance Products