Long-form
Guides
Where the encyclopedia defines, the guides explain. Each opens with a quick answer, then works through the process in order, with the questions investors most often ask.
How DSCR Loans Are Underwritten: A Step-by-Step Reference
A step-by-step reference to how a DSCR loan file is evaluated: rents, PITIA, the ratio, credit, reserves, the appraisal, and entity documentation.
Read the guide →DSCR Loans for Short-Term Rentals: How STR Income Is Evaluated
How DSCR lenders treat short-term rental income: accepted rent sources, market data reports, seasonality, appraisal considerations, and documentation.
Read the guide →Buying a Rental in an LLC With a DSCR Loan
How DSCR financing works when title is held in an LLC: vesting, operating agreement review, personal guaranty, title, and naming the entity on insurance.
Read the guide →The DSCR Cash-Out Refinance Playbook
A reference to DSCR cash-out refinancing: seasoning, valuation, business-purpose use of proceeds, reserves, and the trade-offs of prepayment structures.
Read the guide →DSCR vs. Full-Documentation Investor Loans
A neutral comparison of qualifying for an investment property on rental cash flow versus personal income documentation, who each suits, and the trade-offs.
Read the guide →Have a property in mind?
Tell us about the rental and the numbers. We are a mortgage broker: we arrange and shop business-purpose DSCR financing from wholesale lenders, then explain the options in plain English.