DSCR Loans (Debt Service Coverage Ratio)
Best for: New investors, BRRRR investors, Airbnb investors, scaling investors.
A DSCR loan qualifies based on rental income, not your personal income.
If the projected or actual rent covers the mortgage, it qualifies.
Strategic advantages:
- Allows rapid scaling (no income limitations)
- Works for long-term rentals and many short-term rentals
- Ideal for investors who reinvest heavily or show low taxable income
- Keeps personal finances separate from portfolio growth
DSCR loans are the backbone of fast portfolio expansion.
Conventional Investment Loans
Best for: Buyers with strong credit who want long-term, low-rate financing.
These loans offer the lowest rates and best long-term stability.
Use them for:
- Your second home
- Your first investment property
- 2–4 unit multifamily
- Long-term holds with stable cash flow
Pro tip:
Use conventional loans early in your investing career (before you hit property limits), then switch to DSCR once you need unlimited scaling.
Portfolio Loans (Flexible Underwriting)
Best for: Investors with multiple properties, LLC structures, or unconventional income.
These loans:
- Combine or cross-collateralize multiple properties
- Allow higher property counts
- Offer flexible underwriting
- Protect personal debt-to-income ratios
Portfolio loans are perfect for seasoned investors optimizing tax, leverage, and scalability.
Asset Based Loan
Best for: High-net-worth investors.
These loans use assets instead of income to qualify — including:
- Investment accounts
- Savings
- Retirement funds
- Business accounts
Ideal for investors with large reserves, trust income, or non-traditional structures.
Bank Statement & P&L Loans (Self-Employed Investors)
Best for: Self-employed investors and entrepreneurs.
Traditional underwriting often punishes entrepreneurs for writing off expenses — even when they’re financially strong.
These loan types fix that.
Bank Statement Loans:
Qualify using 12–24 months of deposits (cash flow strategy).
P&L Loans:
Qualify using a CPA-prepared profit & loss statement (income mirroring true business health).
Perfect for expanding real estate while running a business.
BRRRR-Friendly Financing
Best for: Investors focused on forced appreciation and fast portfolio expansion.
We structure lending to maximize:
- Purchase power
- Rehab budgets
- ARV-based refinances
- Minimal out-of-pocket capital
- Repeat cycles with velocity
The BRRRR strategy is one of the most powerful ways to build wealth quickly — when structured intelligently.