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 Keith Quinney | Aug 28, 2025
Recently Funded Fix & Flip Loan In Maybrook, NY Loan Scenario: This project features a fix and flip loan for a single-family property in Maybrook, New York. The home was purchased for $135,331, with a renovation budget of $67,500. American Heritage Lending...
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...
by Eric Krattenstein | Nov 6, 2024
Recently Funded Fix And Flip Loan In Medford, NY Loan Scenario: This fix-and-flip project involves a single-family detached home located in Medford, New York. The property was purchased for $300,000, with a modest rehab budget of $5,000. The total loan amount secured...
