How are landlords structuring financing to keep scaling in 2025?
Curious how other landlords are approaching financing right now. Are you sticking with conventional loans, moving toward DSCR-style structures, or mixing strategies depending on deal size?
What’s been working (or not working) as portfolios grow?
Most Popular Reply
I still use the same systems I've been using for years. Purchase and rehab funded through private lending and refinance using a DSCR loan.
The difference now is it takes more effort to find a deal that works in a given market. Numbers are tighter, but I've been mixing MTR and STR. LTR are more difficult to make the numbers work. Saving grace is rental numbers are still healthy.
Now that there is more volume of properties available negotiating with sellers is getting easier to do. Rates are coming down as well, but we all got spoiled with those incredible low rates.