Insights, guides, and strategies for real estate investors
Business-purpose lenders prefer LLC borrowers. Consumer lenders cannot make the loan at all. Here is what lenders need from your entity, why the personal guarantee still puts you on the hook, and what happens if you transfer title after close.
Read the guide
Rental property loans carry a rate premium over primary residence mortgages. The gap runs 0.50 to 1.75 percentage points depending on loan type. Here is why the spread exists and what moves it.
Read More
A cash-out refinance on an investment property comes with a 70-75% LTV cap, a rate 0.5-1.25 points above primary residence, and seasoning rules that can halve your borrowing capacity in the first 12 months. Here is what the numbers actually look like.
Read More
A fix and flip draw schedule is a reimbursement system. You pay your contractors, pass an inspection, and then the wire arrives. That gap between payment out and reimbursement in is what runs first-time flippers short by month two.
Read More
ARV is the number your lender's appraiser produces, not the number you estimated. The two frequently disagree by $20,000 or more on a mid-range flip, and the difference comes out of your loan proceeds. Here is how the appraiser builds the number.
Read More
A fix and flip loan is approved on the deal, not your W-2. Here is what a lender needs from a first-time flipper: the document pack, the deal math, and the failure modes to avoid.
Read More
The BRRRR refinance stalls when investors misjudge the seasoning clock. Most DSCR lenders require six months from the title date. Conventional lenders require twelve. Here is which rule applies when, what ownership and rental seasoning each measure, and how to model the carry cost so a slow appraisal does not kill the deal.
Read More
BRRRR is a rental portfolio strategy built on recycling capital through a cash-out refinance. This guide covers the financing behind each step, a worked example showing both the good and bad appraisal scenario, carry cost math, seasoning requirements, and the four situations where the strategy breaks down.
Read More
Most hard money files stall not because the deal is bad, but because the borrower cannot answer three questions fast. Here is the document pack that moves a file from first call to term sheet in 24 to 48 hours.
Read MoreReady to fund your next deal?
Get Funding Now