EHM
Strategies

Investor Education

Learn before you
borrow

Guides, calculators, and resources to help you make informed decisions about your investment property financing.

Guides & Articles

Deep dives into investor lending

Loan Programs8 min read

Complete Guide to DSCR Loans

Everything you need to know about qualifying for a DSCR loan, from calculating your ratio to optimizing your application.

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Loan Programs10 min read

Fix & Flip Financing 101

A beginner-friendly walkthrough of fix-and-flip loans, including how draws work and exit strategies.

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Investment Strategy12 min read

The BRRRR Method Explained

Learn how to Buy, Rehab, Rent, Refinance, and Repeat to build a rental portfolio with recycled capital.

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Comparisons6 min read

DSCR vs. Conventional: Which Is Right?

A side-by-side comparison to help you decide between DSCR and traditional financing for your investment.

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Tools

Calculators & analyzers

Run the numbers before you apply to understand your financing options.

DSCR Calculator

Calculate your debt service coverage ratio to see if your rental property qualifies.

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Fix & Flip Analyzer

Estimate your profit potential including acquisition, rehab, and carrying costs.

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Refinance Comparison

Compare your current loan to potential refinance options and calculate savings.

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FAQ

Common questions from investors

What credit score do I need for an investment property loan?

Most investment property loans require a minimum 660 credit score, though some programs may go lower with compensating factors like larger down payments or lower LTV. Higher scores (700+) typically qualify for better rates.

How long does it take to close on an investment loan?

DSCR loans typically close in 21-30 days. Fix & Flip and Bridge loans can close faster, often in 7-14 days with proper documentation. Construction loans may take 30-45 days due to additional requirements.

Can I get a loan for a property that needs renovations?

Yes! Fix & Flip loans are designed exactly for this purpose, providing both acquisition and rehab funding. For long-term holds, some DSCR programs allow delayed financing after you complete renovations.

Do I need to form an LLC to get an investment loan?

No, you can close in your personal name. However, many investors prefer to use LLCs for liability protection. Our loans work with both individual borrowers and business entities.

What is DSCR and why does it matter?

DSCR (Debt Service Coverage Ratio) measures whether a property's rental income covers its debt obligations. A DSCR of 1.0 means income equals expenses. Most lenders require 1.0-1.25, but we offer programs as low as 0.75 DSCR.

Can foreign nationals get investment property loans?

Yes, we offer DSCR loans to foreign national investors. Requirements include a valid passport, US bank account, and typically 25-30% down payment. ITIN holders may also qualify.

Video guides coming soon

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