.🔹 Example in Action:Rental income: $9,000PITI: $9,500 → DSCR <1 (not qualifying)Using $63,000 in assets → Adds $1,045 in incomeNew DSCR >1 → Higher LTV (80% instead of 75%)🔹 Why This Matters:✅ Helps investors qualify for better financing✅ Increases borrowing power and flexibility✅ Allows you to scale your portfolio fasterUnderstanding financing tools like this can be a game-changer for investors looking to maximize opportunities.

Every lender has guidelines; that’s why it’s important to perform due diligence with lenders, just as they do with borrowers. 

Quote from @Paul Whitehurst: Many will tell you to borrow money from Property A to purchase Property B, but that's known as over-leveraging and not recommended for a newer investor.

We want to see equity, seasoning, a quality borrower, and good terms. 

Looking at 50% LTV currently.If your borrowing is TRULY at 50% LTV, a little creativity on your part should uncover potential lenders.  

Regarding risk, go to your local real estate investment association, tell everyone you are new at investing and want to borrow down payment money for your first flip.

If you are borrowing $150k, rates will not likely drop enough for you to justify a refinance due to lower rates.

I called them and we spoke about being a borrower and about being loan broker.

Lenders typically allow borrowing up to 80% of the home's value, which could more than cover your renovation costs.Fix-and-Flip Loan (Hard Money Loan) – If you’re planning to sell quickly, a hard money loan could be a good fit.

can you layout your typical transaction with these folks its unclear from your post how these were set up.. are you a borrower and they are the first position lender on flip deals ???