DSCR Loans and Fannie Mae's 10-Loan Limit: What Actually Counts
Conventional guidelines cap you at ten financed properties, but the reserve requirement usually stops portfolio growth well before the tenth. Here is what counts toward the limit, what sits outside it, and how a DSCR loan is underwritten differently.
DSCR Refinance and Prepayment Penalties: What the Exit Actually Costs
Prepayment penalties are common on DSCR loans and rarely obvious. Here is how step-down, flat, and yield maintenance structures work, why investor loans can carry them when owner-occupied loans usually cannot, and how to price the exit against your own hold period.
Why Blanket Loans Can Have Higher Rates
A blanket loan puts several rental properties under one note, and the pricing usually comes back higher than what you carry on individual loans. Here is what that extra cost is actually paying for, and how to compare the full cost before you sign.
Release Clauses in Blanket Loans Explained
A release clause is what lets you sell one rental out of a blanket loan without paying off the whole balance. Here is how the release price gets calculated, what it usually costs, and what to ask before you sign.
DSCR Portfolio Refinance: Pros and Cons
Rolling several rental loans into one DSCR portfolio loan can cut the paperwork and free up equity. It can also cross-collateralize every property you own and lock you into a prepayment penalty. Here is what changes, what it costs, and how to run the math on your own numbers.
Should You Refinance Multiple Rentals Separately or Together?
Refinancing several rental properties as one blanket loan can cut closing costs, but cross-collateralization and a single prepayment structure can lock up your equity. Here is how to decide between separate DSCR loans and a portfolio refinance.
How to Refinance a Rental Property Into an LLC With a DSCR Loan
Moving a rental you own personally into an LLC can trip the due-on-sale clause on your current mortgage. A DSCR loan written to the LLC refinances the property and the title together, qualifying on the rent rather than your personal income. Here is how the transition works and what to weigh beyond the rate.
DSCR Loans in an LLC: What Investors Should Know
Can you finance a rental held in an LLC? Usually yes, and a DSCR loan is often why. Here is how the loan and the entity fit together, what changes when you borrow through a business, and how to weigh the full cost instead of the rate alone.
DSCR Loans for First-Time Investors: How Rental Income Qualifies the Deal
A DSCR loan qualifies you on the rent a property can produce, not your paystubs. Here is how the debt service coverage ratio works, what lenders check beyond it, and how to read the full cost before you buy your first rental.
DSCR Refinance for Mid-Term Rentals: Qualifying on Your Property's Cash Flow
Own a furnished monthly rental? A DSCR refinance qualifies on your property's cash flow instead of your pay stubs. Here is how the ratio works, what income counts, and how to read the true cost before you decide.
DSCR Loans for VRBO Properties: How to Finance a Vacation Rental on Its Income
A VRBO property earns real money, but conventional underwriting often cannot see it. A DSCR loan qualifies the property on its own income instead of your tax returns. Here is how the debt service coverage ratio works on a short-term rental, where the qualifying income comes from, and the costs that matter more than the rate.
DSCR Loans for Self-Employed Real Estate Investors: Qualify on the Property, Not Your Tax Return
Your business write-offs lower your taxes and, under conventional rules, your qualifying income too. A DSCR loan reads the property's rent instead of your tax return. Here is how it works and where it fits.