What is a DSCR loan?
A DSCR loan evaluates a rental property largely on the income it produces relative to its housing expense, rather than relying on traditional personal income documentation.
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Investor financing, explained simply.
Short, practical explanations of how investor financing tends to work — written for people buying property, not people reading rate sheets.
How is DSCR calculated?
Divide monthly rental income by the property's total monthly housing expense — principal and interest, taxes, insurance, and HOA where applicable.
When does bridge financing make sense?
Bridge financing is typically used when timing matters — for example, when a property needs to be secured before longer-term financing is put in place.
What lenders look at on a flip
Fix & flip scenarios generally center on the acquisition price, the rehab budget, the projected after-repair value, and the investor's experience.
Financing a ground-up build
New construction financing is structured around the project budget, the draw schedule, and the exit — a sale or a refinance into longer-term financing.
Growing beyond a few doors
As portfolios grow, investors often look at financing structures that treat multiple properties together instead of one loan at a time.
These explanations are general and educational. Program structures, requirements, and availability vary, and nothing here is a commitment to lend or an offer of credit.