All Forum Posts by: Kelly Schroeder

Many landlords I know are using refinances as a way to unlock equity from properties without selling them.

That cash-out refinance then funds:
- Acquiring another rental
- Renovations to boost rents
- Paying down higher-interest debt

For those of you with established portfolios:
- Have refinances helped you scale, or do you prefer to keep equity in place?
- Do you find appraisals on rentals supporting the values you expect?
- How do you decide when it’s time to refi vs. hold?

Would love to hear how others are using refinancing as part of their growth strategy.

Even with tighter spreads, I’m seeing investors find momentum by focusing on flips that check these boxes:

[] Strong ARV supported by comps
[] Cosmetic rehabs (paint, floors, landscaping) that add quick value
[] Areas with high buyer demand but low updated inventory

For those flipping in today’s market:
- How are you keeping projects profitable as costs shift?
- Are you leaning more on speed, volume, or creative financing to scale?
- What’s your biggest strategy for keeping the “momentum” alive in 2025?

Looking forward to hearing what’s working in your market.

Some investors I work with are building new construction rentals to add to their portfolios instead of only acquiring older homes.

From a property management standpoint, I’m curious:

- Do you find brand-new builds easier to manage (fewer maintenance calls)?
- Or do issues like warranty claims, HOAs, and tenant expectations bring their own challenges?
- Have you noticed tenant retention differs between new vs. older units?

For PMs and landlords — how does managing new builds compare in your experience?

I've been hearing a lot about investors using DSCR loans to scale beyond conventional caps. Since the approval is based on property income, not W2s, it seems to line up well with building momentum in 2025.

For lenders and investors here:

- Do you see DSCR as a sustainable way to scale portfolios long-term?
- Are terms improving or tightening this year compared to past years?
- Any creative structures you’ve seen borrowers use to maximize DSCR approvals?

Would love to hear the community's perspective on whether DSCR is still the go-to tool for scaling strategies.

Between DSCR, bridge loans, and refinances, investors today have several tools to build momentum and scale portfolios.

From a lender’s perspective, which products do you see clients using most effectively to grow faster?

New construction offers low-maintenance rentals but comes with unique management challenges — like HOA coordination or warranty follow-ups.

For property managers working with new builds, how do you keep the momentum smooth for both owners and tenants?

DSCR loans measure property income instead of personal income, which makes them attractive for investors wanting to scale momentum faster.

For those using DSCR, has it changed how quickly you’ve been able to expand your portfolio?

For landlords building rental portfolios, refinancing can free up equity for the next property.

Have you used refinancing as a momentum strategy, or do you prefer to hold and save instead?
I’d love to hear what’s worked best for your scaling approach.

Scaling flips can be a challenge — timelines, contractors, and capital all play a role.

For those of you flipping consistently, what strategies have you used to keep momentum from one project to the next? Curious to hear how others are managing growth in today’s market.

Ever found the perfect property but your funds are tied up? That’s where bridge loans come in — short-term funding that helps investors secure deals without missing opportunities. I’m a broker and happy to connect if you’d like to explore options for keeping momentum in your investing.

📞 608-716-2615
📧 [email protected]
🌐 www.havenbridgecapitol.com