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DSCR loan comparisons
TL;DR
A DSCR loan is one tool among several. These comparisons show where it beats the alternatives, where it does not, and how investors combine them. Everything here is qualitative: no pricing, just how each option works.
DSCR loan vs hard money: which one fits your deal?
Hard money is short-term bridge financing for properties that are not ready to rent yet, usually because they need work.
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DSCR loan vs Bank statement loanDSCR vs bank statement loans for self-employed investors
Both help self-employed borrowers who do not qualify on tax returns, but they measure different things.
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Cash-out DSCR refinance vs HELOC on a rentalCash-out DSCR refinance vs a HELOC on a rental
A cash-out DSCR refinance replaces your rental's first mortgage with a larger long-term loan and gives you the difference as a lump sum.
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Short-term rental (STR) vs Long-term rental (LTR)STR vs LTR DSCR: should you qualify on short-term or long-term rent?
A long-term rental qualifies on a lease or the appraiser's market rent: simple, stable and accepted by nearly every DSCR lender.
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Want me to run your numbers?
Send me the property, the rent and what you are trying to do. I will run the coverage math, tell you where it stands, and shop it with wholesale lenders if it makes sense.