Resources
Guides for real estate investors
Plain explanations of how business-purpose real estate financing actually works — including the parts that go wrong.
Credit Score Breakpoints by Loan Program: What a Few FICO Points Actually Cost You
A 636 FICO clears one program's floor and misses another's by four points. Here's where the five credit floors actually sit, what moves with…
Read →Refinancing an Airbnb Out of Hard Money: The Seasoning Timeline That Decides Your Payout
The month-4-to-8 refinance window, the six-month line that decides whether your DSCR cash-out refinance prices off documented cost or the new appraisal, and the…
Read →How Fast Can a Hard Money Loan Close? What a 7 to 15 Day Close Actually Takes
Hard money on 1-4 unit investment property typically closes in 7 to 15 days from a complete file. A day-by-day timeline, what to send…
Read →Fix and Flip vs BRRRR: Which Strategy, Which Loans, and the Math on Each Exit
Fix and flip and BRRRR start with the same loan and split at the exit. The same $180K house run both ways: what the…
Read →Loans for Self-Employed Real Estate Investors: Qualify on the Rent, Not Your Tax Returns
Self-employed investors get turned down on what their tax returns say after write-offs. A DSCR loan qualifies the rental on its own rent instead.…
Read →DSCR Loan vs Conventional Mortgage for Rental Property: Which One Fits
A conventional mortgage qualifies you; a DSCR loan qualifies the property. Side-by-side terms, the same rental run under both loans, and when each one…
Read →Fix and Flip Loans in California: What Changes at $800K+ Purchase Prices
The fix-and-flip program is the same in California as anywhere else — 90% LTC, 75% ARV, 620 minimum FICO. What changes is the dollar…
Read →Cross-Collateralization in Private Lending: When One Property Secures Another Deal
When a deal's short on cash, a lender may offer to take a lien on a property you already own to close the gap.…
Read →DSCR Loans for 5+ Unit Multifamily: Why the Underwriting Looks Nothing Like a 1-4 Unit Rental Loan
The DSCR program splits hard at five units: a 12-unit building doesn't get the same leverage math as a single-family rental, no matter how…
Read →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…
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