Independent investor-financing research

Finance your next rental or flip without guessing.

Clear, unbiased guidance on DSCR loans and every other way investors fund deals, backed by independent rate research and free tools. We are not a lender, so our only job is helping you choose well.

Start with DSCR loans Run the DSCR calculator

No lender owns usIndependent rate researchOriginal rate data

Start where you are

Pick the financing question in front of you. Each guide ends where it should: at a clear, neutral path to the right lender.

1

What is a DSCR loan?

Qualify on the property's cash flow instead of your personal income. The flagship loan for buy-and-hold investors, explained plainly.

2

Do you qualify?

Down payment, credit, reserves, and the minimum DSCR lenders look for. Know the bar before you apply.

See the requirements

3

What will it cost?

How investor-loan rates are set, what moves them, and how to read a quote. Plus our independent rate survey.

Understand the rates

What makes this different

Most pages that rank for these searches are written by the lenders themselves. We built the opposite.

The Rate and Terms Survey

An independent, quarterly index of investor-loan pricing by loan type and state, with a transparent method and downloadable data. The neutral benchmark the lenders cannot offer.

Free decision tools

A deal analyzer, a financing recommendation quiz, and DSCR, cash-to-close, and BRRRR calculators. Free to use, with original data behind them.

The Lender's Lens

The book on how to read a loan the way an underwriter does. A full field guide to investor financing, free to download.

Get the free book

Which loan fits?

Answer five questions and get the loan type that fits your deal, with the lender category to research.

Get a recommendation

Compare lenders

How to judge a DSCR, hard money, BRRRR, portfolio, or cash-out lender, and the established names to research.

Every way investors fund deals

DSCR loans

Long-term financing that qualifies on rent, not your paycheck.

Hard money & bridge

Fast, short-term capital for time-sensitive purchases.

Fix-and-flip

Purchase plus rehab financing for value-add projects.

BRRRR financing

How to fund the buy, rehab, rent, refinance, repeat cycle.

Rental portfolio loans

Blanket and portfolio financing to scale past the loan caps.

Cash-out refinance

Pull equity out to fund the next acquisition.

By state

The local property tax and insurance factors that move your DSCR, market by market.

Popular financing questions

The specific situations investors search for most.

DSCR vs HELOC

Pull equity without risking your home.

Does not cash flow?

Sub-1.0 and no-ratio DSCR programs.

Foreign national?

Finance US rentals with no SSN.

Exit a hard money loan

Refinance into a DSCR before the balloon.

Duplex to fourplex

DSCR for 2 to 4 unit property.

Small multifamily

Reserves

How many months you really need.

Which loan type?

DSCR vs hard money vs conventional.

Self-employed?

DSCR vs a bank statement loan.

Cash-out seasoning

How long before you can pull equity.

Were you denied?

Five reasons, and the fix for each.

Can you live in it?

DSCR occupancy rules, explained.

Condos

Warrantable and non-warrantable, financed.

Rural property

Who finances rural rentals, and how.

Put it to work

Run a real deal in a few minutes, then see your real rate.

Check your rate on OfferMarket Find the loan that fits Free book

Some links on this page are affiliate or referral links; see our disclosure. Investor Loan Compass is not a lender.