Ted Macuch

Vacant rental properties may qualify for some DSCR programs. Learn how lease history, market rent, vacancy rules and refinance overlays can affect the result.

First-time real estate investors can qualify for some DSCR programs, but experience, housing history, reserves and LTV rules vary by lender.

Some DSCR programs can consider credit below 620. Learn how lower FICO can affect LTV, cash-out, property eligibility and reserves.

FastTrack LenderMatch research explains why PadSplit and co-living DSCR requires separate verification of room-rent income, property eligibility and lender program scope.

FastTrack LenderMatch research explains the differences between investor HELOCs, HELOANs, first-lien revolving products and true second-position DSCR loans.

FastTrack LenderMatch research shows how blanket and portfolio DSCR loans differ on property count, allocations, releases, leverage and pool-level underwriting.

FastTrack LenderMatch research shows how Airbnb and STR lenders differ on actual history, projected income, AirDNA, vacancy haircuts and leverage.

FastTrack LenderMatch research explains the difference between 40-year fully amortizing DSCR loans, 10/40 interest-only structures and other variants.

FastTrack LenderMatch research shows how DSCR purchase and cash-out leverage changes with credit, property type, seasoning and lender-specific grids.

FastTrack LenderMatch research shows why 0.90 DSCR, below-0.75 DSCR and no-ratio loans require separate lender and structure analysis.