Straightforward guidance on how investment lending actually works — written by the people who structure these deals every day. No jargon, no fluff, just what you need to make better decisions before you sign.
Four reads that cover 90% of what most investors need to know about funding a deal correctly.
How debt-service-coverage-ratio underwriting works, what DSCR you need to qualify, and why this program now funds more rental purchases than any other type of investment loan.
LTC vs LTARV, interest-reserve, draw schedules, and where lenders quietly bake in margin. Read this before you sign your next rehab loan.
The cost math on a 10-day close vs. losing a deal. When bridge is the right tool, and when it's an expensive mistake.
Self-inspected, phone-photo draw releases. How they work, why they cut a week or more off each draw, and which lenders actually offer them.
Liquidity, FICO, experience, LTV, and DSCR. Get these into the right zone before you apply and your file moves twice as fast.
How foreign-national and ITIN borrowers qualify, what documents take the place of W2s, and the typical LTV ceiling.
The rate-and-term refi nobody talks about, and how cash-out becomes the wrong tool above a certain LTV.
Why Fannie's 10-loan limit isn't the end — and how DSCR and portfolio-loan structures let you keep buying.
Different programs, different underwriting, different exits. Get the wrong one and your numbers stop working.
What gets disclosed on the term sheet, when fees clear at close, and what to watch for when a lender pushes back.
Same underwriting, same phone number — different doors built around different types of deals.
Our long-form education site. Deep dives on every program, calculators, and ungated walkthroughs for new investors.
The flagship application site. Submit a scenario, get written terms within 24 hours, and close fast.
AI-assisted intake for repeat investors. Faster matching when you've already shaped the deal.
No. Every guide, every calculator, every walkthrough is free to read without giving us your email. We make money when a deal funds — not by selling leads.
Please do. Brokers, agents, attorneys, and CPAs use these guides with their own clients all the time. Attribution is appreciated but not required.
Yes — a short monthly note with one practical piece of guidance and any rate or program shifts worth knowing. Sign up at the bottom of any guide. We send sparingly.
Call (470) 237-7140 or email [email protected]. We answer every question, whether you have a deal in front of you or not.
Submit a quick loan scenario and Jeff will personally reply with written terms within 24 hours.