Resources
Guides for real estate investors
Plain explanations of how business-purpose real estate financing actually works — including the parts that go wrong.
DSCR Loan Reserve Requirements: How Many Months of PITIA You Actually Need in the Bank
A DSCR file can clear credit and DSCR and still stall on reserves. Here's how the six-month PITIA baseline is built, why it climbs…
Read →Prepayment Penalties on Bridge and Fix-and-Flip Loans: The Minimum-Interest Clause Most Borrowers Miss
Most fix-and-flip and bridge loans skip the multi-year prepayment penalty DSCR loans carry — but almost all of them have a minimum-interest guarantee instead.…
Read →Fix and Flip Loans in Georgia: The Intangible Tax and the Foreclosure Clock That Shape Every File
Georgia charges a state intangible tax on every security deed and runs one of the fastest non-judicial foreclosure processes in the country. Here's the…
Read →Why Fix and Flip Goes to 90% LTC and Multifamily Bridge Caps at 75%: The Risk Math Lenders Use
Fix and flip loans go up to 90% loan-to-cost. Multifamily and mixed-use bridge loans cap at 75%. Here's the risk math behind the gap,…
Read →Ground-Up Construction to DSCR Takeout: Why the Certificate of Occupancy Date Decides Your Payout
The construction loan has a maturity date, and the DSCR refinance that pays it off prices differently depending on how long it's been since…
Read →The Debt Yield Test on Multifamily Bridge Loans: A Second Ratio That Can Cap Your Loan Size
Multifamily bridge loans aren't sized off LTC alone — a debt yield floor on net operating income can cap your proceeds even when the…
Read →Your First Airbnb: What a First-Time Investor Actually Qualifies For
The 85% LTV tier on a short-term rental loan is for investors with a track record. A first-time buyer lands at 70-80% LTV instead,…
Read →Fix and Flip Loans in New Jersey: The 2025 Mansion Tax Reform and What It Does to Your Exit Math
New Jersey's fix-and-flip program runs on the same 90% LTC / 75% ARV numbers as anywhere else. What changes is a 2025 mansion tax…
Read →When the Rehab Budget Runs Over: Draw Shortfalls, Change Orders, and What the Lender Actually Does
A rehab budget overage doesn't automatically mean a bigger loan. Here's why a fix-and-flip file's 75% ARV cap usually eats a structural surprise before…
Read →Cash-Out Refinance on a Fully Booked Airbnb: The $500K Ceiling Nobody Mentions
A fully booked short-term rental can qualify for 75% LTV cash-out, but the amount you actually pull is capped separately from your equity —…
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