Resources
Guides for real estate investors
Plain explanations of how business-purpose real estate financing actually works — including the parts that go wrong.
Can You Get a 30-Year Loan on an Airbnb? What Qualifies, and What It Costs
Yes: a short-term rental can carry a 30-year, no-balloon DSCR loan sized on booking income. Terms, the arithmetic on a $400k cabin, refinancing out…
Read →Préstamos DSCR para Inversionistas: Cómo Funciona la Relación de Cobertura de Deuda
Qué mide realmente el DSCR, cómo se calcula con números reales de una propiedad de inversión, y los escenarios donde este tipo de préstamo…
Read →Préstamos Fix and Flip para Inversionistas: Cómo Funcionan Realmente
Cómo funciona realmente un préstamo fix and flip: el cálculo del LTC y el ARV, los requisitos de FICO y experiencia, y un ejemplo…
Read →Fix and Flip Loans in Washington DC, Alexandria, and Arlington: What’s Actually Different Here
DC's vacant-property tax reclass and Alexandria's Old Town historic review don't show up on a generic hard money page. Here's what actually changes the…
Read →When a Deal Isn’t Placeable, and How to Tell Before You Waste a Week
Most deals that don't get funded fail a check you could run in five minutes — a state, a credit floor, a DSCR ratio…
Read →Scope of Work: How to Write a Fix-and-Flip Rehab Budget That Draws Cleanly
A rehab budget written in lump sums stalls every draw request. Here's how to break a scope of work into line items that a…
Read →Short-Term Rentals Under DSCR: How Lenders Actually Treat the Income
DSCR lenders don't plug your Airbnb revenue straight into the ratio. Here's how the 12-month trailing rule, market rent schedules, and income haircuts actually…
Read →Rural and Small-Market Properties: Why Leverage Drops Outside Metros
Why a DSCR rental or fix-and-flip deal outside a metro area often comes back at lower leverage than the rate sheet suggests, including the…
Read →What a Lender Means by “Experience,” and How It’s Actually Counted
"Experience" on a term sheet means a specific, documented deal count in a trailing 36-month window — and it's counted separately for each program.…
Read →Appraisals in Private Lending: What the Valuation Covers, and When to File a Reconsideration of Value
What a private-lending appraisal actually values — as-is versus ARV on a fix and flip file, the DSCR rent schedule — and the specific…
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