by Keith Quinney | Nov 26, 2025 |
Recently Funded DSCR Loan In Lynwood, CA Loan Scenario: This financing scenario involves a Debt Service Coverage Ratio (DSCR) rental loan used to acquire a detached 5-unit property in Lynwood, California. The building both appraised at $800,000 and was purchased for...
by Eric Krattenstein | Nov 7, 2025 |
California real estate has a reputation that precedes it. Sunshine. Surf. Sticker shock. The state is both a laboratory for housing policy and a world capital for jobs, tech, film, logistics, and a dozen other industries that put steady pressure on the rental market....
by Eric Krattenstein | Nov 4, 2025 |
Recently Funded Fix And Flip Loan In Fresno, CA Loan Scenario: This project features a True Zero Point Fix & Flip loan for a single‑family home in Fresno, California. The experienced investor acquired the property for $140,000 with a focused renovation budget of...
by Eric Krattenstein | Sep 10, 2025 |
TL;DR (Executive Summary) DSCR for SFR/2–4 is simple: Underwritten Gross Rent ÷ PITIA. Hit ≥1.10×–1.25× and life gets easier. For 5–10 units, many lenders switch to NOI ÷ Annual Debt Service — we still size 5–10 the same as 1–4 (Rent ÷ PITIA), then sanity‑check the...
by Eric Krattenstein | Aug 25, 2025 |
Introduction: flipping in a split‑market year If 2024 felt like trying to flip a house while the market kept moving the furniture, 2025 feels more like someone finally turned the lights on. We can see the room again—prices, demand, and costs are no longer sprinting in...
