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Investor guides
Quick answer
These guides explain how investment property loans actually work, in plain English and without pricing claims. Start with how lenders calculate DSCR if you are new to rent-based loans, or jump to the topic in front of you: LLC vesting, your first rental, short-term rental income or a cash-out refinance.
Which investment property question are you working through?
How lenders calculate DSCR on a rental property
Which rent counts, what goes into PITIA, and how small expense changes move the ratio.
7 minute read
Financing an investment property in an LLC
Entity vesting, personal guarantees, the documents lenders ask for and common mistakes.
7 minute read
Your first investment property loan: a plain-English roadmap
From choosing a property to closing: rent coverage, reserves, credit and documents.
8 minute read
Using short-term rental income to qualify for a DSCR loan
Booking history, market analyses, haircuts, permits and stress-testing a vacation rental.
7 minute read
Rental cash-out refinance checklist
Equity, seasoning, the new payment, leases, reserves and appraisal prep in one list.
7 minute read
How should you use these investor guides?
Which guide should a new rental investor read first?
Start with the first investment property loan guide, then learn how a lender calculates DSCR. Keep a separate operating budget for costs that the lender ratio may exclude.
Are these guides a loan approval or a property recommendation?
No. They explain how to prepare a business-purpose rental loan review. Lender rules, property eligibility and financing terms depend on the specific scenario.
Ready to review your investment property?
Share the address state, the property type and what you want the loan to do. A licensed loan specialist will review it and follow up with wholesale lender options that fit an investor file.