Conventional Loans

• Time-tested and effective
• LTV: Typically 75-85%
• Term: 15-30 years
• Best for: long-term rentals, steady income

DSCR

• Focuses on the property's income production to qualify instead of the borrower's ability to pay
• Term: 30-40 years is typical; Interest-only options
• Best for faster closing, borrower's with non W-2 income, less paperwork

Hard Money

• 70-90% LTV
• Roll repair costs into loan
• Short-term (6-18 months)
• Focuses on the property's value not the borrower
• Best for short-term projects and rehabs

Blanket

• Roll multiple properties into one loan
• LTV usually 70-80% of the portfolio
• Some allow partial release (one property removed)
• Best for using total equity for future purposes or repair/remodeling
• Scale your business fast

Construction

• 9-36 month terms
• First-time or experienced builders
• Land sometimes included in loan

Condotel

• LTV: 65%- 75% LTV depending on purpose
• Term: 15-20 years but can be amortized 30 years sometimes

1031 Exchange + Bridge

• Utilize tax-deferral without having to wait for everything to clear.
• Buy the replacing property before selling the 1031 property.
• Do repairs to the original property before selling to maximize profit

Commercial

• Financing for businesses and mixed-use properties.
• Flexible terms 5-30 years