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Real Estate Investing

Strategies and loan products to help you build wealth through property.

DSCR Loans: No Income Docs Required

Debt Service Coverage Ratio (DSCR) loans are a game-changer for investors. Instead of qualifying based on your personal income (tax returns, W-2s), you qualify based on the cash flow of the property.

How it Works

If the rental income covers the mortgage payment (PITIA), you qualify. It's that simple. This allows you to scale your portfolio without being limited by your personal Debt-to-Income ratio.

The BRRRR Strategy

Buy, Rehab, Rent, Refinance, Repeat. This is a popular method for building a portfolio with limited capital.

  1. Buy: Purchase a distressed property below market value.
  2. Rehab: Renovate it to increase its value (forced appreciation).
  3. Rent: Place a tenant to generate cash flow.
  4. Refinance: Do a Cash-Out Refinance based on the new, higher value to pull your original capital back out.
  5. Repeat: Use that capital to buy the next property.

Fix & Flip Loans

Short-term "Bridge Loans" designed for investors who want to buy, renovate, and sell quickly.

  • Fast Closing: Often close in 7-10 days.
  • Renovation Costs Included: The loan covers the purchase price + construction costs.
  • Interest Only: Lower monthly payments during the renovation phase.