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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…
Yes — you can finance a short-term rental with no rental history. DSCR lenders that allow STRs qualify the property on projected income, typically using market rent from the appraisal or third-party STR revenue data, instead of your Airbnb track…
A fix and flip loan is short-term financing that funds both the purchase and the renovation of an investment property you plan to resell. Lenders size the loan against the after-repair value (ARV), fund rehab in draws as work completes,…
A bridge loan is short-term financing that gets you from purchase to a permanent exit — typically 6 to 24 months, secured by the property, and built for speed over cost. Investors use bridge loans to close fast on deals…
Yes — if you’re closing an investment property loan in an LLC, virtually every lender will require your operating agreement. It’s how the lender verifies who owns the entity, who has authority to sign, and that the LLC can legally…
A DSCR loan is an investment-property mortgage that qualifies you based on the property’s rental income instead of your personal income. DSCR stands for Debt Service Coverage Ratio — the rent divided by the monthly loan payment. If the property…
