Learning center
Answers first. Then the mechanics.
Guides for people who want to know how a program reads their file, and what it costs them, before they talk to anyone. No rates, and no guidelines dressed up as facts.
Decision guide
The long read, when the choice itself is the question.
Qualifying a rental on its own rent: the ratio, the appraisal rent schedule, LLC vesting, prepayment penalties and cash-out.
DSCR & real estate investing
7 guides on DSCR & real estate investing.
DSCR & real estate investing
Your First Rental With a DSCR Loan
Many DSCR programs accept first-time investors, sometimes on different terms than an experienced landlord.
DSCR & real estate investing
DSCR vs Conventional Investment Property Loans
Conventional investment-property loans are usually cheaper for an investor who can qualify on personal income and holds few financed properties.
DSCR & real estate investing
DSCR Cash-Out Refinance and Seasoning for BRRRR
A DSCR cash-out refinance turns a stabilized rental's equity into cash for the next deal.
DSCR & real estate investing
DSCR Loans for Airbnb and Short-Term Rentals
Some DSCR programs finance short-term rentals, but they document the income from platform history, market data or an appraiser's short-term…
DSCR & real estate investing
DSCR Loan Prepayment Penalties: Step-Down, Yield Maintenance and Buydowns
Most DSCR loans carry a prepayment penalty because they are business-purpose loans outside the consumer rules that restrict penalties.
DSCR & real estate investing
DSCR Loan in an LLC: Vesting, Personal Guarantee, Documents
Most DSCR programs let an LLC hold title and sign the note while the members sign a personal guarantee.
DSCR & real estate investing
How DSCR Is Calculated, Including the Appraisal Rent Schedule
DSCR is the property's gross monthly rent divided by its full monthly payment (principal, interest, taxes, insurance and association dues).
Quick answers
The short version, when that is all you need.
Mortgage FAQs
Forty-plus questions borrowers ask before they apply, grouped by program, with the trade-offs included.
Browse the FAQsMortgage glossary
Plain-English definitions of the terms that come up in non-traditional lending: ATR, non-QM, DSCR, PITIA, expense factor, CLTV, seasoning.
Open the glossaryFind out which program fits your situation.
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