![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3100961/small_1723765720-avatar-alexm1310.jpg?twic=v1/output=image&v=2)
23 January 2025 | 23 replies
It will familiarize you with the basic terminology and benefits.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2816429/small_1694697988-avatar-ankitl5.jpg?twic=v1/output=image&v=2)
8 January 2025 | 13 replies
I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2907849/small_1703984213-avatar-keetaekh.jpg?twic=v1/output=image&v=2)
7 February 2025 | 12 replies
Basically/Hopefully that is watching rents hit your bank, and occasionally calling a repair service as needed.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3088894/small_1722365942-avatar-reneh34.jpg?twic=v1/output=image&v=2)
31 January 2025 | 12 replies
Typically, you can only do one rollover per 12-month period (again, IRS Publication 969 has the details).In the end, having the option to invest your HSA funds is usually a better bet than letting them sit in a basic savings account.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2411310/small_1647781795-avatar-bruced76.jpg?twic=v1/output=image&v=2)
1 February 2025 | 0 replies
If a sponsor resists this basic transparency measure, consider it a serious warning sign.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1285549/small_1736900657-avatar-lesliel37.jpg?twic=v1/output=image&v=2)
30 January 2025 | 4 replies
In the end we had to pay to turn the space back in to a white box/shell and closed with basically zero physical assets.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3176705/small_1738293537-avatar-brantl9.jpg?twic=v1/output=image&v=2)
11 February 2025 | 13 replies
It’s easy to want to jump into big deals right away, but starting with one or two smaller properties lets you learn the basics of real estate investing without getting overwhelmed.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3180354/small_1738909951-avatar-williamw620.jpg?twic=v1/output=image&v=2)
11 February 2025 | 3 replies
Please note the information provided below is a layman's definition designed to provide a basic understanding for the general audience.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1517183/small_1694579134-avatar-ec33.jpg?twic=v1/output=image&v=2)
2 February 2025 | 7 replies
Those would be tricky too, and the properties have to cash flow, but is this basically accurate?
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2063197/small_1738718488-avatar-matthewm952.jpg?twic=v1/output=image&v=2)
4 February 2025 | 2 replies
I know I'm getting the tax benefits of depreciation, the minimal positive cashflow, and the appreciation on the property, but It's pretty much a long term play of slowly raising rents annually to increase cashflow, which will eventually get basically reset when my loan goes P+I in 10 years.