Guides
START HERE
Your first investment, with a clearer plan.
A strong financing conversation starts with a complete picture of the property and the project.
FINANCING FUNDAMENTALS
LTC, LTV, and ARV: know your numbers.
These ratios measure different things. A high limit on one ratio does not override a lower limit on another.
RENTAL INVESTING
What rental coverage really tells you.
Debt-service coverage is a useful starting point, but a rental property deserves a broader cash-flow review.
PROJECT EXECUTION
Plan your renovation draws before work begins.
A renovation budget and a draw process should work together, so you can plan the cash needed between milestones.
LOAN STRUCTURES
Interest-only payments: the full picture.
A lower scheduled payment during an interest-only period does not mean the principal balance is being repaid.