Different deals need different financing. Here’s how the main options compare.
Qualify based on the property’s rent, not your W-2s or tax returns.
Asset-based, short-term loans for renovation and time-sensitive deals.
Traditional financing for investors with clean income documents.
$2,450 monthly rent ÷ $2,049 total monthly payment (PITIA) = a 1.20 DSCR. In plain terms, the rent covers the full payment 1.2 times over. Hypothetical example for illustration only.
Run my numbersDon’t have everything yet? That’s okay. Todd will tell you exactly what’s needed for your situation.
I’m an investor too. I own a long-term rental and a short-term vacation rental, so I know firsthand how much cash flow, reserves and the right loan structure matter. I’ll help you compare options quickly and honestly, so you can move fast when the right property shows up.
A Debt Service Coverage Ratio loan qualifies you based on whether the property’s rent covers its monthly payment, not on your personal income.
Yes. Many investor programs allow closing in an LLC, usually with a personal guarantee.
Often in about 7–14 days, depending on the property, appraisal and title.
They can work with DSCR financing. Qualifying rent is usually the lesser of the lease or market rent, and the prepayment terms should match your option period.
Absolutely. Todd can help you compare conventional, DSCR and 2–4 unit options for your first rental.
“Todd Lodge made this so easy for us. He gave us the best experience on this loan and helped us find the best deal.”
Send Todd the address, price and expected rent or ARV. He’ll tell you which financing fits and show you the numbers before you make an offer.