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Financing Guides for Investors and Business Owners
Straight answers about how real estate and business financing works: what each loan is for, what lenders look at, what it costs, and the risks to plan around. These guides are educational, and every deal is different, so talk to us about yours.
Real estate financing
DSCR Loans Explained: Financing Rental Properties by the Property's IncomeWhat a DSCR loan is, how the debt service coverage ratio is calculated, what lenders look at, and when a DSCR loan fits a real estate investor.Fix and Flip Loans: How Real Estate Investors Finance Rehab ProjectsHow fix and flip loans work, what lenders fund, how draws and after-repair value are used, what they cost, and how investors plan a profitable exit.Hard Money and Bridge Loans: What They Are and When Investors Use ThemA plain-English guide to hard money and bridge loans: how they work, what they cost, when investors use them, and the risks to plan for.Foreclosure Bailout Financing for Investors: Options When Time Is ShortHow foreclosure bailout financing works for real estate investors, why timing matters, what lenders review, and how to avoid common scams.Cash-Out Refinance on an Investment Property: How It WorksHow a cash-out refinance on an investment property works, how loan-to-value limits apply, what it costs, and how investors use the cash.Ground-Up Construction Loans: How Investors Finance New BuildsHow ground-up construction loans work: budgets, draw schedules, inspections, costs, and what investors should prepare before building.Creative Real Estate Financing Solutions: Seller Financing, Subject-To, Lease Options and MoreCreative real estate financing solutions explained: seller financing, subject-to, wraparound mortgages, lease options, private money, partnerships and more, with the risks.Subject-To Financing Explained: How Buying "Subject To" the Existing Mortgage WorksHow subject-to financing works: buying a property subject to the seller's existing mortgage, the due-on-sale risk, how to protect both sides, and exit strategies.Seller Carryback Stacking with Subject-To: The "Pace Morby Method" ExplainedSeller carryback stacking explained: how investors combine subject-to with a seller carryback note, the numbers, the risks, and how the "Pace Morby method" is commonly described.Business financing
Business Working Capital and Merchant Cash Advances ExplainedHow working capital and merchant cash advances (MCA) work, what they cost, when they help, and the questions to ask before you sign.Business Term Loans, Equipment Financing and Business Credit CardsCompare business term loans, equipment financing and business credit cards: what each is for, what lenders review, and how to choose.Funding basics
How to Prepare a Funding Application: A Practical ChecklistA practical checklist of documents and steps for real estate and business funding applications, so your file is ready to move fast.Creative Financing Solutions: What to Do When a Standard Loan Does Not FitCreative financing solutions for real estate investors and business owners: how to combine loans, seller terms, equipment, credit and grants when a standard loan does not fit.
Talk to us about your deal
Tell us what you are buying, building or funding. We will help match it to the right program and tell you what to prepare. Rates, terms and approval depend on the borrower, the property or business, and the lender.
Start an application or call 516-927-4323