Getting Your First Investment Property Loan
Your first investment property loan will almost certainly cost more upfront and get underwritten differently than the mortgage on your own home — lenders
Lendmire Research
DSCR Loans Under 75K Explained
A DSCR loan amount under $75,000 isn’t against any rule — there’s no government-set floor on how small a DSCR loan can be.
What Is Better Than a DSCR Loan?
Nothing beats a DSCR loan across the board — it depends on what’s holding the deal back.
Can I Live in a Home Bought With a DSCR Loan?
Can I Live in a Home Bought With a DSCR Loan: what investors need to know about DSCR financing — eligibility, coverage, and loan structure, from Lendmire.
Are Investment Property Loans Tax Deductible?
Are Investment Property Loans Tax Deductible: what investors need to know about DSCR financing — eligibility, coverage, and loan structure, from Lendmire.
Why Is DSCR Negative?
Why Is DSCR Negative: what investors need to know about DSCR financing — eligibility, coverage, and loan structure, from Lendmire.
How Hard Is It to Qualify for a DSCR Loan?
Qualifying for a DSCR loan is generally easier than qualifying for a conventional investment-property mortgage, because the lender looks at the property’s
Is a Hard Money Loan a Bad Idea?
A hard money loan is not inherently a bad idea — it’s a short-term, asset-based tool built for a specific job: acquiring and renovating a distressed
What Disqualifies You From Refinancing?
For a rental-property DSCR refinance, the disqualifiers are rarely about a debt-to-income ceiling the way they would be on a personal mortgage.
Does Refinancing Do a Hard Pull?
Yes. Formally applying for a refinance — including a DSCR investment-property refinance — triggers a hard credit pull almost every time.
What Credit Score Is Needed for a Hard Money Loan?
There’s no universal minimum, and that’s not a dodge — it’s how the product works.
How Long Do You Have to Pay Off a Hard Money Loan?
Most hard money loans run 6 to 24 months, with 12 months as the single most common term.
Can I Use an Investment Property Loan to Buy a Fixer-Upper?
No — not in one loan. Most investment property loans, including DSCR loans, require the property to be rent-ready at closing, not after a renovation.
Can a DSCR Loan Be Refinanced?
Can a DSCR Loan Be Refinanced: what investors need to know about DSCR financing — eligibility, coverage, and loan structure, from Lendmire.
How to Underwrite a DSCR Loan
Underwriting a DSCR loan means comparing a rental property’s income to its full monthly obligation instead of digging through the borrower’s tax returns.