Real numbers, real deals, and practical guidance on DSCR loans, fix-and-flip capital, bridge debt, and the rest of the investor lending toolkit. Every post is written by Dominick Prevete from files he has structured and lender conversations he has had directly, and the worked examples trace their arithmetic so you can check them against your own deal.
Yes. Standard DSCR programs accept first-time investors. What changes: how each lender defines first-time, a few excluded programs, and your housing history.
Rates are up since July, so a DSCR refi sizes smaller. A bridge exit traced at today's rate, plus five ways to close the gap.
Dominick Prevete's Instant Term Sheet returns written DSCR loan terms by email, from ChatGPT, Claude, Grok or the website.
A DSCR loan skips tax returns, not paperwork. The lender underwrites the property, the LLC and your liquidity, and most delays come from the same five gaps.
On a wholesale DSCR sheet dated September 24, 2026, a two-unit NJ purchase at 75% LTV had no price at all below 1.00 coverage. Cap rate vs. DSCR, traced.
Closing a DSCR loan in an LLC doesn't remove the personal guarantee. Who has to sign, whose credit score sets the rate, and what documents the lender wants.
The federal funds rate does not appear anywhere on a wholesale DSCR rate sheet. Here is what does: the price ladder, the adjustment grid, and the four rungs worth more basis points than the Fed.
On a wholesale DSCR sheet dated September 8, 2026, one-to-four unit and five-to-eight unit are separate programs with a 200 basis point gap in floor rates. What changes, and what it costs per month.
Most DSCR lenders start from the lower of your lease and the appraiser's rent estimate. Many will use the higher actual rent if you can prove it is being paid. What I have found gets that done, traced on a Newton NJ deal.
Zillow's listings are broker-created MLS data licensed for display — and in 2026, MLSs started taking it back. A 31-year industry veteran on what the AI home-search fight means for real estate investors.
Florida's November ballot would cut the non-homestead assessment cap from 10% to 5%. What it changes for investors, and what it doesn't.
Investor sentiment hit a record low and 46% of home sales now include seller concessions. How to spend that leverage — and the move most investors miss.
On the wholesale DSCR sheet I price from, dated September 8, 2026, the 5/6 ARM and the 30-year fixed price identically. The discount is zero. What decides your exit five years later is a 4.50% margin nobody negotiates. A traced Newton, NJ deal, corrected.
National rent growth has stalled, but the rent forecast in your spreadsheet moves your refinance proceeds far less than the DSCR you close at. A traced Newton, NJ two-family example showing which lever actually pays.
Institutional landlords are listing homes at deepening discounts ahead of the ROAD Act's January 2027 ban. What the law actually says, how big the sell-off really is, and how to underwrite one of these purchases with DSCR financing.
Which lenders actually did the volume on New Jersey investment property in 2025, ranked from federal HMDA filings — the top 25 by loan count, with volume, average loan size and purchase share.
Inflation cooled to 3.5% in June — but the Fed still isn't cutting. Here's why locking a fixed-rate DSCR loan now lets inflation quietly erode your debt.
Every DSCR term sheet offers a prepay menu: 5-year penalty for the lowest rate, shorter terms for more. Most investors take the discount and never model the exit. The dollar math on one deal, four structures — and the one rule that picks the right one.
100% bonus depreciation is permanent after the One Big Beautiful Bill. Paired with cost segregation, a profitable rental can legally show a $50K paper loss — here's why that trips up conventional financing but not a DSCR loan.
An honest 2026 breakdown of DSCR investing in Huntsville, AL — the real cash-flow math, the 20% investor property-tax trap, and a deal traced end to end.
The ROAD to Housing Act caps institutional buyers at 350 homes — and doesn't touch you. What it says, who it covers, and why your playbook doesn't change.
Stacking DSCR loans to scale past the 10-property conventional cap: the cash-out loop that recycles capital deal after deal, traced with real NJ numbers.
No-ratio DSCR loans are taking off in 2026. What they actually cost, when they save a deal, and when they're a trap — with a worked NJ example.
BRRRR works in New Jersey — but the fix-and-flip-to-DSCR financing step is where most investors blow up their numbers. A real Newton, NJ example.
DSCR ratio explained: how your coverage ratio sets your loan rate — real math on the pricing tiers, monthly payments, and deal profitability.
DSCR loans in 2026: underwriting, current DSCR rates (as of October 2026), credit requirements, closing timelines — and why the property qualifies, not you.
DSCR loan vs conventional mortgage, compared straight: qualification, property limits, tax returns, rate trade-offs — and which actually fits your deal.