INVESTOR RESOURCES
Investor guides from a lender who invests
Straight answers on DSCR loans, hard money, bridge loans and short-term rentals, written by Brian Bowman from the deals we close every week.
START HERE
Core guides
DSCR loan requirements
Ratio, credit, leverage and how rent is calculated.
DSCR loan calculator
Run your deal with full PITIA.
What’s your DSCR rate?
Sample rates and the 12 things that move them.
DSCR cash-out refinance
No seasoning, 80% of ARV.
Florida DSCR loans
Insurance, taxes and STR rules for Florida investors.
Arizona DSCR loans
Rent-to-price math, taxes and STR rules for Arizona investors.
GUIDES
Investor guides
DSCR loan vs. conventional loan
When DSCR wins, and when to stay conventional.
DSCR loan broker vs. direct lender
One credit pull, hundreds of lenders, a 97% pull-through rate.
How long does a DSCR loan take?
30 days or less with the right setup.
How to prepare for an appraisal
The appraisal sets your cash-out.
Delayed financing
Paid cash? Get it back out, as soon as one day after purchase.
No-ratio DSCR loans
Financing when the rent doesn’t cover the payment.
2–4 unit DSCR loans
The pricing and occupancy trade-offs on duplexes to fourplexes.
The #1 mistake before a DSCR refinance
Don’t tank your credit on the flip.
DSCR prepayment penalties
Longer prepay, lower rate. Match it to your exit.
DSCR loans for first-time investors
Yes, you can qualify. Here’s how.
Closing your DSCR loan in an LLC
Why we close in an LLC.
Airbnb, VRBO and STR DSCR loans
How we close STR deals.
Hard money loan rates
What moves them, and what a flipper controls.
Fix and flip loan sizing
90% of purchase, 100% of rehab and the 70% rule.
Bridge loans for investors
Close fast and look like cash.
Case study: two Texas deals other lenders couldn’t do
Low appraisal, sub-$100K loans, deferred maintenance.
DSCR KINGS · INVESTOR FINANCING
Have a deal? Skip the reading.
Send us the property. We’ll show you the structure and the terms. No credit pull to start.
Business-purpose loans for investment properties only; not for owner-occupied homes. Lending guidelines, leverage and loan programs vary by lender and by state and are subject to change. Terms and approval depend on the property, the borrower’s credit and capital-partner guidelines and are not guaranteed. Examples are for illustration only.
