Hello, I was recommended by my realtor to use Avalon capital as hard money lender in Memphis area for BRRRR. Has anyone used them before? How has your experience been? Thanks, Ani
I'm wrapping up a rehab project and found something I'm interested in however my funds are tied up in the correct project. Do all DSCR loans with no seasoning requirement lend on the purchase price vs a new appraised value?
I'm getting conflicting advice from lenders whether i can have two second home mortgages in the same city. If both are used for primary use and rental use, is it possible? Fannie Mae doesn't have a blanket mileage limitation so it may be lender underwriting specific requirement? I'm looking to pu...
I am a Los Angeles real estate investor currently exploring the acquisition of a multigenerational property that will house my elderly parents and provide long-term rental income potential. I am in the process of obtaining updated financing preapproval and evaluating different capital stack optio...
I'm a newbie and could use some advice on future planning and financing. When I say I am a newbie, I just bought a home to occupy that has an ADU and I've just secured my tenant who has yet to move in. This is all new to me and I have barely started on my investment journey. I recently was offere...
I'm building a business buying affordable single-family homes ($20k-$60k) in middle america (OH, PA, Il, OK, IN, WV, etc) and reselling them with owner financing. I recently completed my first deal and am now trying to figure out the capital side of the business. I am out of state and country now...
Has anyone found a lender that allows Remote Online Notarization (RON) for closings? I've been investing in real estate since 2020, and for most of that time I've been traveling the world as a digital nomad. My wife and I moved to Spain last year, where I'm pursuing citizenship, but I continue in...
Hi Question? How do I or what is the best why to raise private money to invest or use as a down payment for rentals? Thanks Frank
As the title suggests, I’m considering refinancing a duplex of mine. I bought the house back in 2021 using an FHA loan and lived in it until this past November. The rate is 2.75% and the monthly PITI is about $3,000. I took a HELOC out on the house about 2 years ago now, that payment is about $80...
A borrower comes in with money. Good liquidity. Good credit. Experience. Plenty of skin in the game. Everybody relaxes a little. The lender feels better. The borrower feels better. Now we're discussing LTV, rate, points, reserves, term. And somewhere in all that financial sophistication, there's ...
Are we talking 1–2 hours total, 5 hours, 10+? And what usually pulls you back in --> is it borrower questions, UW issues, rate/structure changes, realtor communication? Also, do you contact the raw leads from bankrate etc or is there a call center / AI dialer that transfers only warm leads to you?
Ran the numbers on a four-condo package recently and it turned into a clean example of how much one line item can move a DSCR. Curious how the lenders and landlords here handle it. The package: four individually deeded units in the same complex, offered together at $345,000. Three occupied, one t...
BP Community, I've been working with two brokers for the last four weeks on a DSCR loan, but I still have nothing to show. Long story short: 1. My wife and I bought a property under an LLC. We converted a single-family residence into two condos. 2. We put the condos for sale this year and have ha...
I was talking with an investor recently and asked how the market was treating him. I expected him to say finding deals was the challenge. Instead, he said, "I'm actually finding plenty of deals. I'm just passing on more of them than ever before." His reasoning was simple: he'd rather do fewer dea...
Hey, guys and gals! Okay, so I just spent 2 hours analyzing ONE property across different loan types. Had to use 4 different calculators, re-enter the same data each time, and manually compare results in a spreadsheet. My workflow: BiggerPockets calculator for conventional FHA.com calculator for ...
For investors who have grown their real estate businesses beyond a few properties, what type of financing has helped you scale the most? I’d be interested to hear about your experience with conventional loans, private money, hard money, DSCR loans, bridge loans, commercial financing, or other fun...
Hello everybody. I'm looking at properties in Kentucky and Tennessee currently for LTR. I am looking to compare DSCR and conventional loan rates to see where I can get the best deal overall. My max purchase price will be $400,000, my FICO score is around 720 and Experian VantageScore is around 76...
Can anyone recommend a Fannie/Freddie, direct lender who offers the Multiple Financed Properties Program without overlays? I need to re-finance multiple SFRs in Memphis, TN.
Hi Everyone! My siblings and I are purchasing a rental property together through an LLC and currently are talking to a national bank. They let me know that closing would take around 45-60 days. Is this normal? And if anyone has any good recommendations for DSCR lenders in Cleveland that can poten...
For DSCR Loans secured by a property in a Special Flood Hazard Area (SFHA) — designated Flood Zone A or V—DSCR Lenders will require flood insurance as a loan condition. These zones represent areas at high risk of flooding and are identified in FEMA’s Flood Insurance Rate Maps (FIRMs). This requir...
Hello, I am looking to buy an investment property using a conventional loan and I was wondering if anyone here knew of any banks in Tennessee (or any bank really) that could get me financing for a rental property at 85% LTV in Chattanooga. I understand this is a high bar to ask on an investment l...
Hey everyone, I’m a Los Angeles-based real estate investor and founder of Gather West (real estate acquisitions and holdings). I currently own and manage multifamily properties here in Southern California and expanding into out-of-state acquisitions focused on value-add renovations and long-term ...
Reasons we don’t fund a loan request in no particular order 1. The borrower needs or wants a loan amount larger than we feel is prudent for us to lend 2. The borrower has lied to us. This is anything from falsified financial statements, bogus leases, to hidden bankruptcies and felony convictions....
REAL ESTATE FINANCING September 2026 Bridge Lending 101 for Real Estate Investors Bridge loans fill the gap between buying a property and stabilizing or selling it. Here's what they are, how they work, and when they make sense for real estate investors. Bridge lending is short-term financing desi...
Proper property insurance is a critical requirement for DSCR Lenders. While the primary risk evaluated by DSCR Lenders is the risk of borrower default, i.e. failure to make payments of interest and principal on the loan, the biggest risk facing a DSCR Lender is different. In the case of default, ...