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What Is a Personal Guarantee in Real Estate Lending?
Last Updated: April 7, 2026A personal guarantee is a commitment from an individual borrower to be personally responsible for repaying a loan, even if the loan is taken out through a business entity like an LLC. In real estate lending, personal guarantees are common across most investment loan products. As a result, understanding how a personal guarantee works in...
What Is a Loan Maturity Date?
Last Updated: April 7, 2026The loan maturity date is the deadline by which a loan must be fully repaid. In real estate investing, this date plays a critical role in your project timeline, exit planning, and overall deal structure. Furthermore, missing or ignoring the loan maturity date can lead to penalties, default, or forced disposition of the property. Understanding...
What Is Net Operating Income (NOI)?
Last Updated: April 7, 2026Net operating income is one of the most important metrics in rental property investing. It measures the income a property generates after operating expenses are subtracted, but before financing costs are applied. Additionally, lenders use net operating income to evaluate whether a property can support a loan, and investors use it to compare deals and...
What Is a Prepayment Penalty?
Last Updated: April 7, 2026A prepayment penalty is a fee that some lenders charge when a borrower pays off a loan earlier than the scheduled maturity date. In real estate investing, this type of penalty can affect your exit strategy, refinance timing, and overall project costs. As a result, understanding how a prepayment penalty works helps you choose the...
What Is a Capitalization Rate (Cap Rate)?
Last Updated: April 7, 2026The capitalization rate is one of the most widely used metrics in real estate investing. It measures the relationship between a property’s net operating income and its current market value, giving investors a quick way to compare the return potential of different properties. Furthermore, understanding how the capitalization rate works helps you evaluate rental deals,...
Can You Close an AHL Loan Through an LLC or Entity?
Last Updated: April 2, 2026Many real estate investors use an LLC or other business entity to hold investment properties and manage liability. AHL works with entity borrowers across all of its loan programs, so closing a loan through an LLC, partnership, or corporation is a standard part of the process. As a result, understanding AHL entity lending requirements helps...
How Does AHL Work With Repeat Borrowers?
Last Updated: April 2, 2026One of the advantages of working with a private lender over time is the relationship that develops between the borrower and the lending team. AHL values returning investors and has built processes that reward repeat borrowers with a more efficient, streamlined experience. As a result, understanding how AHL supports the AHL repeat borrower helps you...
Does AHL Offer Deferred Point Programs?
Last Updated: April 2, 2026Loan points are one of the most common upfront costs in real estate investment lending, and how they are structured can affect your out-of-pocket expenses at closing. AHL offers both 0-point and deferred point options across several loan programs, giving borrowers flexibility in how they manage upfront costs. As a result, understanding how AHL pricing...
What States Does AHL Lend In?
Last Updated: April 2, 2026One of the first questions borrowers ask before starting a loan application is whether the lender operates in their state. AHL currently offers investment property loans in 47 states, giving borrowers access to financing across most of the country. As a result, understanding which AHL lending states are available and how location may affect your...
What Does AHL’s Draw Process Look Like?
Last Updated: April 2, 2026The draw process is how construction and renovation funds are released during a project. Rather than providing the full loan amount at closing, lenders distribute funds in stages as work is completed and verified. AHL uses a digital draw process that allows borrowers to submit documentation and photos electronically, making the process faster and more...