Investor guides for your next project
Long-form, original guides on the mechanics that decide investor loans: coverage math, document checklists, draw rhythms, refinance exits and entity borrowing. Every guide opens with a quick answer and ends with the questions investors actually ask.
How DSCR is calculated for rental loans, step by step
Divide the monthly rent by the full monthly carrying cost — principal and interest plus taxes, insurance and any HOA dues. Above one, rent covers that cost on paper; below one, the owner feeds the property. Always rebuild taxes and insurance at current figures before trusting the result.
The hard money checklist: documents, draws and deal prep
Gather the purchase contract, entity records, a line-item rehab budget, contractor details, insurance quotes, reserve proof and a written exit before you apply. Purchase money typically closes the sale; renovation money usually arrives in verified draws, so plan cash for the work between inspections.
BRRRR refinance guide: plan the exit before you buy
Work backward from the finished rent. Estimate the long-term loan the rent can cover at real taxes and insurance, then cap your purchase plus rehab so the refinance can retire the short-term loan. If conservative rent cannot carry the exit, lower the price or walk away.
Fix-and-flip financing guide: buy right, renovate honestly
Underwrite three numbers before anything else: what you pay, what the renovation truly costs including contingency and carrying costs, and what finished homes nearby actually sell for. Financing can support a disciplined deal; it cannot rescue an overpriced purchase.
Bridge loan guide: span a real gap, then get off the bridge
Use a bridge only when the far side is dated and evidenced — a sale supported by comparable sales or a refinance the rent already covers on a rental coverage worksheet. If the plan is to wait and hope, a bridge does not fix the deal; it rents time at short-term cost.
Borrowing in an LLC for investment property, without the paper chase
Form the entity before you shop, keep formation documents, the operating agreement, EIN letter and member identification in one folder, and decide who signs before underwriting asks. Entity borrowing is routine for business-purpose investment property when the paperwork is complete.
Work the numbers alongside the reading in the fix-and-flip / bridge calculator, compare structures in our comparison library, then send the live deal through the application.
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Address, numbers, timeline, exit. We arrange and shop financing from wholesale lenders and tell you plainly how the deal reads.