As long as the property generates enough cash flow to service the debt, you qualify—without the need for personal income verification.This type of loan is ideal for those serious about growing their real estate portfolio, especially if you’re self-employed or have irregular income streams.Why DSCR Loans Matter for Real Estate InvestorsWhen it comes to real estate investing, traditional loans can often be restrictive, requiring personal income verification and imposing limits on the amount you can borrow.

For investment property, I would say commonly you are going to have 80% to 75% LTV. 

Through agency debt at ~67%, pref equity from an institutional investor and common equity from our investor-partners.

Our lender’s instructions now require all acknowledgments by a notary employed by the title or escrow company.

**Due-on-Sale Clause**: The existing lender could call the loan due when the property transfers ownership, though this isn’t common if payments are made on time.2.

Most 1099 self- employed investors generally write everything off so using 1040's, 1120's or 1065's is a no go for tax returns.

Finding a hard money lender willing to cover 100% of the rehab costs up front is less common, but it’s not impossible.

Then there is a central system that is outside of the doors on the ceiling if one of those in the common area goes off then it sets off the alarm for the whole building.

Also I shopped very frugal, I would buy a lot of material wholesale or through auctions, and also I had the ability to buy from a former employer, a manufactured housing factory, that was also a huge savings for me.I had to do this deal this way.

I want an employer to come in with 9000 6 figure jobs.