In my mind, it is simply a hurdle rate.

I'm curious about how they are able to convert your business credit cards into a cash line of credit while avoiding the high balance transfer interest rates.  

So we've got a return of 23% on our first and a return of 175% on our second.TL;DR - Are owning free and clear assets better than having high rate of return? 

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

As a company we help investors with: - Sourcing properties in areas that should appreciate, have lower vacancies, and higher room rates based on our data from current properties.- Starting properties from the ground up with our expertise in what is needed for a rental to last and run smoothly, from simple furnishing to complete remodels/renovations.- Running properties as the businesses they are meant to be.

If you and your spouse, or if you have a single-member LLC, then I recommend rocket lawyer or a discounted version.

Private investor from purchase price and most of the rehab with a lending rate at 2 points about prime interest rate.

So if a client is at the 37% rate a $10,000 study would only really cost $6,300, and that doesn't even include the state tax deduction if applicable. 

Private investor from purchase price and most of the rehab with a lending rate at 2 points about prime interest rate.

Once they've proven themselves, consider gradually increasing hours, offering incentives (i.e. bonuses) then lastly, increasing the hourly rate.** These are all rough #'s.