Investor 1–4 Short-Term Interest-Only Loan
Quick answer
Kismet Kapital's Short-Term Interest-Only loan is a 24-month, interest-only loan from $75,000 to $2,000,000 on 1–4 unit investment property, with no prepayment penalty. It gives investors low carrying payments and the flexibility to sell or refinance at any time without a long-term commitment.
- Loan size
- $75K – $2MM
- Term
- 24 months
- Payments
- Interest only
- Prepay penalty
- None
- Purpose
- Purchase / refinance
- Coverage
- Nationwide
Overview
Not every rental plan needs a 30-year loan. This program covers the in-between: a property being stabilized, a pending sale, or an investor waiting for better long-term pricing. Interest-only payments keep cash flow high and the absence of a prepayment penalty keeps the exit open.
How it works
- Submit the property, value and planned exit.
- Kismet returns a structured read within 48 hours.
- The loan closes with interest-only payments for 24 months.
- Sell or refinance any time — no prepayment premium applies.
Best for
- Investors planning to sell within two years
- Bridging to long-term financing after rents are raised
- Maximizing monthly cash flow during lease-up
- Avoiding prepayment penalties on a short hold
Key facts
The Short-Term Interest-Only loan has a 24-month term.
Payments are interest only for the full term.
There is no prepayment penalty.
Loan amounts run from $75,000 to $2,000,000.
Lender fees are 3% plus $2,995 in underwriting and processing fees.
Frequently asked questions
How long is the short-term interest-only loan?
24 months. Payments are interest only for the entire term.
Is there a prepayment penalty?
No. You can sell or refinance at any time without a prepayment premium.
What are the lender fees?
Lender fees are 3% of the loan amount plus $2,995 in underwriting and processing fees.
Can I refinance into a 30-year loan later?
Yes. Many investors refinance into the Investor 1–4 30-Year Fixed program once the property is stabilized.
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Ready to structure your next deal?
Submit your transaction or schedule an introduction call. Confidential review within 48 hours.