Guides for your first rentals
Each guide starts with a quick answer, then goes deep. Read them in order if you are brand new, or jump to what you need.
What Is a DSCR Loan? A Plain-English Guide for First-Time Rental Investors
What a DSCR loan is, how it qualifies a rental on its own rent instead of your paycheck, and why first-time investors use one to buy rental #1.
Read the guide →Guide 2How to Calculate DSCR on Your First Rental, Step by Step
Learn to calculate DSCR on your first rental with a simple worked example: rent, taxes, insurance, HOA and payment, plus how to read the ratio you get.
Read the guide →Guide 3Getting Ready for Your First Rental Loan: Cash, Reserves and Documents
A first-time investor checklist for a DSCR rental loan: down payment, reserves, closing costs, and the documents to gather before you make an offer.
Read the guide →Guide 4Buying Your Rental in an LLC or Your Own Name: What First-Time Investors Should Know
LLC vs personal name for a DSCR rental: general pros, cons, paperwork, and questions to ask a CPA or attorney before you choose how to hold title.
Read the guide →Guide 5Scaling From One to Five Rentals With DSCR Loans, One Property at a Time
How to grow from rental #1 to rental #5 with DSCR loans: building reserves, tracking each property, keeping credit strong, and planning every next step.
Read the guide →Guide 6Short-Term vs Long-Term Rentals: How DSCR Loans Evaluate the Rent
How DSCR programs evaluate rent for long-term leases versus short-term vacation rentals, what documents each needs, and how to pick the right strategy.
Read the guide →Ready to line up rental #1 (or #2)?
Tell us about the property. We will shop wholesale lenders for a business-purpose DSCR loan and walk you through every step in plain English.