Investor Loans

 A  DSCR loan is a mortgage for real estate investors that qualifies based on a property's cash flow (rental income) rather than the borrower’s personal income or employment. Lenders typically look for a DSCR ratio (Net Operating Income/Total Debt service) of 1.0 or higher, meaning the property generates enough income to cover its own expenses and mortgage. 

 Short term purchase loans based on the value of the property, often require additional collateral and higher interest rates. Lenders are private investors or smaller funds, rather than traditional lenders. A major benefit is that they
can fund very quickly. 

 Fix and flip loans are a type of hard money loan, proving short-term financing that real estate investors use to purchase and renovate property in order to resell for profit. One of the factors lenders consider is after repaired value (ARV), an appraiser’s estimate of the property’s value after renovations have been completed. 

 These loans focus more on the real estate assets, including current value and income, than your personal credit and income. Payment terms can be very flexible, including interest only payments.