Looking for Real Estate Investment Strategies Using Funding

[Jaedon Stout]

Hi guys, I’m new here but have been following BiggerPockets for a while. I help people get funding (mostly through Chase) with good terms like 0% interest for the first year. A lot of my clients want to get into real estate, but I’m not an expert on the investment side, so I’m looking for some advice.

When it comes to using funding like this, what strategies do you think work best? I've heard a lot about BRRRR, fix-and-flip, and rental properties, but I'm curious about what's working for you all right now.

I know from talking to people that some have gotten into bad deals while using their own money, and I’m worried that using bank funding and ending up in a bad deal could make things even worse—not just for the investment but for the relationship with the bank as well.

I’m just trying to make sure my clients use this funding in the right way, without getting themselves into a tough spot. Would love to hear your thoughts or any advice you have!

[River Sava]

Hey Jaedon - 

Have you considered exploring DSCR loans?

They're highly popular for turnkey rental properties because qualification is primarily based on the income generated by the property itself rather than the borrower. This means no DTI, personal income verification, or tax returns are required.

They're also becoming a powerful tool for BRRRR investors during the refinance stage. Unlike conventional loans that typically require a 12 month seasoning period, DSCR loans have no such requirement, making it much easier for investors to scale their portfolios.

I've included an article below that outlines how DSCR loans can be utilized in BRRRR strategies.

Also, I noticed you’re based in Florida, I’m in Tampa. Let me know if you’d like to connect and discuss further!

https://www.biggerpockets.com/blog/brrrr-loans-what-are-the-...