Plain-English guides to how investment property financing actually works. The math, the documents, and the things that quietly kill investments.
Three that answer the questions we get asked most. They run in your browser, nothing is submitted anywhere.
Enter rent, loan amount, rate, taxes and insurance. See the exact ratio a lender will see, plus whether it clears the usual program floors.
Run loan to cost against loan to ARV, see which one caps your loan, what you bring to closing, and where the 70 percent rule puts your ceiling.
See how much equity you can access, what the new payment looks like, and how much of a down payment the proceeds actually fund.
How debt service coverage ratio lending works, how to calculate DSCR, what lenders actually look at, and when it beats a conventional loan.
Non-qualified mortgages are not subprime. Here is what the label really means, the main program types, and how to tell whether one fits your situation.
How lenders underwrite nightly rental income, which documents carry weight, and the two issues that quietly kill most STR investments.
How after-repair value sets your loan amount, your cash to close, and your profit, plus the 70 percent rule, draw schedules, and the holding costs investors forget.
Why pulling equity out of an investment property is one of the most reliable ways to scale a portfolio, what the math looks like, and when it is the wrong move.
DSCR loans do not check your income. They absolutely check your credit. What your score is worth in rate and leverage, and a ninety-day plan to move it.
Send us your scenario and we will tell you what is financeable.