Guides for real estate investors
Plain-English guides to financing fix and flips, new construction and bridge deals: what lenders require, how loan amounts and costs are calculated, how draws and refinances work, and how to compare offers fairly. Every guide cites its sources and shows when it was last updated.
Best States to Flip Houses: A Framework for Comparing MarketsHow to choose the best states to flip houses: prices, appreciation, foreclosure law, taxes, permits and insurance, plus public data sources to compare.13 min readDSCR Refinance After a Flip: How to Exit Hard Money Into a Rental LoanHow to refinance out of a hard money loan into a DSCR rental loan: DSCR math, seasoning, appraisals, cash-out LTV limits and a worked BRRRR example.12 min readDutch Interest Explained: What It Costs on a Rehab or Construction LoanDutch interest explained with worked examples: paying interest on the full loan vs only on funds drawn, what it costs, and how to compare quotes.10 min readFix and Flip vs Bridge vs Construction Loans: Which One Fits Your Project?Fix and flip, bridge or ground-up construction loan? Compare how leverage, draws, terms and costs differ, with worked examples for each project type.12 min readHow to Get a Hard Money Loan With No ExperienceFirst flip? Learn what hard money lenders look for in new investors, how much cash you need, and how partners, GCs and smaller deals improve your odds.12 min readHard Money Loan Requirements: What Lenders Check and How to QualifyHard money loan requirements explained: credit score, down payment, experience, property type, entity and documents lenders check before funding.11 min readHow Construction and Rehab Draws Work on Hard Money LoansHow hard money rehab and construction draws work: draw schedules, holdbacks, inspections, fees, lien waivers, timing, and a worked draw schedule example.12 min readHow Do Hard Money Lenders Calculate ARV?How hard money lenders calculate after-repair value: ARV appraisals, comp selection, adjustments, as-is vs ARV, and how ARV caps your loan.11 min readLTC vs LTV vs ARV: How Lenders Size a Hard Money LoanLTC vs LTV vs ARV explained with worked examples: loan-to-cost, loan-to-value, loan-to-ARV, purchase LTC, and why your max loan is the lowest limit.10 min readHard Money Points and Fees ExplainedWhat hard money points, exit fees, lender fees, draw fees and minimum interest really cost, and how to compare total loan cost over your hold period.13 min read