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Yes — DSCR loans exist for investors with past bankruptcies or foreclosures, and for foreign nationals with no U.S. credit at all. Waiting periods after credit events are typically 2–4 years and vary widely by lender; foreign national programs qualify…
A business purpose loan is financing used for commercial or investment purposes — like buying, improving, or refinancing a non-owner-occupied rental — rather than for personal, family, or household use. The distinction determines which lending rules apply and is the…
Yes — many fix and flip loan programs fund up to 100% of your rehab budget. The catch investors miss: rehab funds are reimbursed in draws after work is completed and inspected, and the total loan still has to fit…
A cash-out refinance on a rental property replaces your current loan with a larger one and returns the difference to you at closing — most commonly through a DSCR loan qualified on the property’s rent, not your income. In 2026…
If you flip a house and decide to keep it as a rental, the way to get your capital back out is a cash-out refinance — typically a DSCR loan sized against the property’s new appraised value. This is the…
Points are upfront fees equal to 1% of the loan amount each — and paying them is normal in investment lending. What is not normal: large upfront fees before a term sheet, guaranteed approvals, or a “lender” you cannot verify…
No — a standard DSCR loan cannot fund construction, because DSCR qualification requires a completed, rentable property producing (or ready to produce) rental income. The right sequence is a construction or bridge loan to build, then a DSCR loan as…
In 2026, a hard money loan can close in as little as 5–10 business days — and 2–3 weeks is routine. The speed comes from asset-based underwriting: the lender is evaluating the property and your exit plan, not your tax…
A rental portfolio loan is one mortgage covering multiple rental properties — one payment, one closing, one lender, secured by the whole group. Investors use them to consolidate scattered single-property loans, pull equity across a portfolio at once, or finance…
DSCR loan requirements in 2026 come down to five things: the property rent covering the payment, your down payment, your credit score, cash reserves, and an eligible property type. No W-2s, no tax returns, no personal income verification. These are…
