A DSCR loan qualifies on the rental property’s income instead of yours. That single fact generates a predictable set of follow-up questions, and most lender websites answer them in marketing language. Here are the direct answers, from two people who…
DSCR, debt service coverage ratio, is the property’s qualifying rent divided by its full monthly loan payment. A 1.25 means the rent is 125% of the payment. A 1.00 means they’re equal. A 0.85 means the rent covers 85% of…
DSCR, debt service coverage ratio, is the property’s qualifying rent divided by its full monthly loan payment. A 1.25 means the rent is 125% of the payment. A 1.00 means they’re equal. A 0.85 means the rent covers 85% of…
DSCR, debt service coverage ratio, is the property’s qualifying rent divided by its full monthly loan payment. A 1.25 means the rent is 125% of the payment. A 1.00 means they’re equal. A 0.85 means the rent covers 85% of…
Two answers up front. A hard money loan typically closes in 7-14 days, and can close in as few as 3-5 with a complete file and a cooperative title company. Most hard money and fix-and-flip lenders want a credit score…
Hard money and bridge loans are both short-term, asset-based real estate loans, and in 2026 the terms overlap so much that the same lender will often call the same product either name depending on who’s asking. That said, there’s a…
If a bank told you your debt-to-income ratio is too high to buy another rental, they were answering the wrong question. DTI is a consumer-mortgage metric. It measures whether you can afford a payment out of your personal income. A…
Yes, an Airbnb can qualify for a DSCR loan. The property has to be a non-owner-occupied investment (you don’t live there, even part of the year), it has to be legal to operate as a short-term rental at that address,…
A ground-up construction loan is short-term financing that pays for building a property from a vacant lot (or a teardown) to a finished structure. It covers land, site work, materials, labor, and soft costs, disbursed in stages as the work…
A cash-out refinance on a rental property replaces your existing loan (or no loan, if you own it free and clear) with a larger one and pays you the difference. Investors use it to recover capital from a renovation, pull…
