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What Budgets Are Required for Build to Rent Financing?
Last Updated: January 30, 2026Build to rent loans require a clear understanding of both project costs and borrower liquidity. Lenders evaluate the total budget to determine how much they can finance and assess whether the investor has enough capital to complete the project. Knowing what costs to include and how much cash you need on hand helps you plan accurately and avoid funding...
What are Common Mistakes Investors Make with Build to Rent Projects?
Last Updated: January 30, 2026Build to rent projects combine the complexity of new construction with the long-term planning required for rental investments. When things go wrong, the cause is often avoidable. Understanding the most common mistakes helps investors structure stronger deals, avoid unnecessary costs, and stay on track from start to finish. Underestimating the Construction Budget One of the most frequent issues is...
How Do Lenders Determine Market Rent for New Build Rentals?
Last Updated: January 30, 2026Market rent is a key factor in underwriting build to rent loans, especially when the loan will convert to long-term DSCR financing after construction. Lenders need to verify that the projected rental income is realistic and supported by local market data. Understanding how lenders arrive at a rent figure helps investors set accurate expectations and avoid...
Can First-Time Builders Qualify for Build to Rent Loans?
Last Updated: January 30, 2026First-time builders can qualify for build to rent financing, though lenders typically apply additional structure to reduce risk. Experience is one factor in underwriting, but it is not the only one. Lenders also evaluate the project itself, the team involved, and whether the overall deal makes sense. Understanding what lenders look for helps newer investors present stronger applications and...
Q1 2026 Rate Environment: What It Means for Investment Property Financing
Last Updated: January 21, 2026The interest rate environment in early 2026 remains elevated compared to recent years, but it has stabilized. Investors continue to transact across asset classes, with financing decisions increasingly driven by cash flow, leverage discipline, and realistic underwriting assumptions rather than rate timing. This overview summarizes where investment property rates generally stand, why they remain higher...
What Is the Difference Between LTV, LTC, and LTARV?
Last Updated: December 24, 2025LTV, LTC, and LTARV are three core metrics used in hard money lending. They may sound similar, but each one measures a different part of the deal and helps lenders understand risk, leverage, and how much they can safely finance. Knowing how these ratios work makes it much easier to structure your project and estimate...
How Do Lenders Evaluate Builder or Contractor Experience?
Last Updated: December 24, 2025A construction loan depends heavily on the quality of the builder behind it. Lenders want to know that the contractor running the project has the skills, organization, and experience to bring it from start to finish without major issues. What Lenders Pay Attention To 1. Completed Projects Lenders look for: Recent builds similar in size and...
What Are Common Mistakes Investors Make with New Construction Projects?
Last Updated: December 23, 2025New construction offers major upsides, but it also has more moving pieces than a typical renovation. Many mistakes’ investors run into are predictable and preventable, with a bit of planning. 1. Underestimating Early Site Costs This is extremely common. Investors often overlook: Utility hookups Grading or excavation Soil issues Permit fees and impact fees These items can add thousands to a project if not accounted for...
Can First-Time Builders Qualify for a New Construction Loan?
Last Updated: December 23, 2025Yes, first-time builders can qualify. You do not need years of experience, but the lender will look closely at how the project is being managed. The more support and structure you have in place, the easier it is to get approved. When First-Time Builders Are Good Candidates 1. A Licensed General Contractor Is Managing...
What Are Common Mistakes Investors Make with Hard Money Loans?
Last Updated: December 5, 2025Hard money loans can be a powerful tool for moving quickly on real estate deals, but they work best when investors understand how the process really works. Most of the problems people run into are avoidable, and knowing what to watch for can save time, money, and stress. 1. Underestimating the Renovation Budget This is...