Loan structures and lender comparisons
Focus on the program’s actual requirements and complete cost, including the conditions behind any advertised offer.
DSCR vs conventional
Rental cash flow versus personal-income qualification.
DSCR vs bank statement
Property rent versus eligible business or personal deposits.
DSCR vs hybrid
A rental-only review versus rent and eligible personal income.
DSCR vs hard money
Compare long-term rental debt with shorter-term financing.
DSCR vs fix and flip
Understand a renovation-loan search and the permanent rental exit.
DSCR vs portfolio loan
Compare property-based DSCR with portfolio lending structures.
Non-QM vs conventional
Documentation and eligibility differences.
Non-QM vs jumbo
Separate a loan’s underwriting category from its size.
Bank statement vs conventional
Compare the way business income is documented.
HELOC vs second mortgage
Revolving draws versus a defined advance.
Condotel lenders
Use a project-specific lender comparison checklist.
Non-warrantable condo and condotel lenders
Compare project acceptance, income and unresolved conditions.
Bank statement lenders
Compare self-employed financing options and requirements.
Non-QM lenders
Review alternative-documentation lending options.
Short-term rental lenders
Compare STR income and property qualification.
Foreign national lenders
Review cross-border investor financing.
