ONEDEAL LEARNING HUB
Investor financing
Start with the cost of capital, then check whether the property supports the payments and the exit. Use actual written terms when you have them.
Compare DSCR Loan Quotes Beyond the Interest Rate
Use a consistent worksheet to compare principal, points, income assumptions, debt service, reserves and exit restrictions across investor-loan quotes.
Read the guideDebt Yield vs. DSCR: Two Different Loan Checks
Compare debt yield with DSCR using a $500,000 loan example. See why interest rates can change debt coverage without changing debt yield.
Read the guideHard Money Loan Costs: Interest, Points and Delays
Work through interest, origination points, upfront fees and exit fees on a short-term property loan. Separate financing cost from principal repayment.
Read the guideDSCR Explained: NOI, Debt & Lender Methods
Is debt service included in NOI? Learn why loan payments are separate, work through a 1.30 DSCR example and compare NOI-based and rent-to-PITIA methods.
Read the guideSeller Financing: Payments & Balloon Risk
Understand seller-financed payment schedules, combined debt service and balloon risk with a simple example that separates monthly cash flow from payoff needs.
Read the guideExamples use stated assumptions. Confirm property facts and written terms before making a decision.