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It offers potential investors a slew of financial and personal benefits, such as increased cash flow, home appreciation, and tax benefits.

In fact, real estate investment continues to be one of the most popular vehicles in producing financial wealth. According to the IRS, approximately 71 percent of Americans that declared more than a million dollars on their income tax returns in the last 50 years were in real estate. Ironically, beginner investors face the challenge of learning how to obtain real estate investment financing before they can start creating wealth.

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Read on to learn about some of the most common types of real estate financing options out there, as well as prominent loans for real estate investing. As its name suggests, this method will have investors secure capital from an outside source to buy and renovate a property. Not unlike traditional financing, however, real estate finance comes complete with terms and underwriting, not the least of which need to be fully understood before entering into a contract. Learn how to get started by registering to attend a FREE real estate class offered in your area.

Because the method in which a specific deal is funded can greatly impact its outcome, understanding the financing aspect is imperative. As an investor, there are a few different ways to go about financing real estate investments. Each one will have its own set of pros and cons, and your financing approach will depend on the property and the situation. Beginner investors need to remember that not all real estate investment financing options are created equal. What works for someone else may not necessarily work for you, but the trick is understanding which real estate financing option will compliment your business strategy.

By taking the time to research the various real estate financing options out there, new investors are sure to realize how accessible investing can be. Keep in mind that all investors have faced the financing hurdle at some point in their career; when in doubt, there is nothing wrong with tapping into your investor network and ask for advice. Investors with a deal lined up have already accomplished one of the most important steps in home flipping.

However, finding a viable deal is only one piece of the puzzle. Once you find a good property to invest in, you need to finance the impending transaction then. Financing a real estate deal tends to send new investors into a fit of anxiety or is even enough to compel them to pack up their dreams and retreat to their nine-to-five job.

However, if an investor commits to doing his or her due diligence, the fear of a lack of funds is irrational. If you have a great deal on the table, there is no limit when it comes to ways to fund it. A great example would be leveraging a self directed IRA , which would require some careful consideration beforehand; however, it goes to show that there are many available options for real estate investment financing. Cash Financing: Great for investors who have access to a significant amount of capital, either personally or through their network, and wish to purchase properties free and clear.

Hard Money Lenders: Accessible to investors who have less-than-perfect credit or financial history, and are in need of a short-term loan. Private Money Lenders: Investors who are well-connected can often tap into capital from personal connections, borrowing money at a specified interest rate and payback period.

Self Directed IRA Accounts: Individuals who have elected to create savings through a self-directed IRA may make the decision to tap into their account as a way to access capital. Seller Financing: Buyers and sellers can sometimes strike up a mutually beneficial agreement, allowing the investor and seller to avoid having to go through a private lender altogether.

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Peer-To-Peer Lending: This is a great option for investors trying to raise the last portion of funding for a project. Peer-to-peer lending can offer high flexibility and low interest rates. As an investor, cash is a monumental tool to getting what you want. Along with getting more offers accepted, cash financing enables investors to save on interest, increase their cash flow, and receive instant equity in their investment.

It also has the ability to save investors on the purchase amount. In the first quarter of , all-cash homebuyers for single-family homes and condos paid, on average, 23 percent less per square foot than all homebuyers nationwide, according to RealtyTrac. However, if you have your own capital, you should always consider using it in the best possible scenarios. Funded by private businesses and individuals, hard money lenders provide short-term, high-rate loans for real estate investors.

Hard money lenders also charge fees apart from the interest on the loan. These fees are generally delineated in points three to five , representing additional percentage fees based on the loan amount. In general, hard money lenders charge much higher interest rates — sometimes double the amount of a traditional mortgage, plus fees.

Private money lenders are integral to the growth of every new investor. They have the means and intent to invest capital into your business, and they are just as interested in working with you as you are with them.

Generally speaking, private money lenders will provide investors with cash to purchase real estate properties in exchange for a specific interest rate. These terms will generally be established upfront and with a specified payback period — anywhere from six months to a year. These loans are most common when investors believe they can raise the value of a particular property over a short period of time, typically through renovations.

A self-directed IRA Individual Retirement Account is, at its most basic level, a savings account that allows for compounded, tax-free growth over time. Self-directed IRAs are unique from other types of savings accounts, such as a K, as the owner can control various investment options, including real estate.

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Owners of self-directed IRA account enjoy the unique benefit of purchasing, rehab, and selling properties while still being able to defer taxes. However, it is important to note that owners under 60 are typically subject to a penalty for withdrawing funds early. There are some scenarios when both an investor and a seller can strike up a mutually-beneficial seller financing deal.

In seller financing, the property buyer will make payments directly to the seller of the property, rather than going through a bank. This can help a motivated seller sell the property more quickly. The investor can avoid having to jump over traditional mortgage lending hurdles, such as financial and credit score minimums. Together, the buyer and seller can often enjoy a faster transaction process and avoid many costs and fees associated with the closing process. Furthermore, the owner can sell the promissory note if they no longer want to manage their own owner financing.

Peer-to-peer lending allows investors to borrow money from other investors or groups of investors hence the name.