Guides
Loan Options
Refinancing, equity lines, construction and portfolio loans, and how a DSCR loan compares with the alternatives.
7 guides in Loan Options
At a glance
| Row | Sheet | What it covers | Verified |
|---|---|---|---|
| 1 | Investment Property Loans: Types, Best Options and Rates | Conventional, DSCR, blanket, hard money and home equity financing compared, with what higher investor rates cost. | July 28, 2026 |
| 2 | DSCR Loan vs. Conventional Loan: Which Fits Your Rental Property? | Your income or the rent: how each loan qualifies you, and where down payment, LLC ownership and cost differ. | July 28, 2026 |
| 3 | DSCR Loan vs. Hard Money Loan: Which Fits Your Property? | A rental you keep or a short renovation: what each loan costs, and how to plan the refinance from one to the other. | July 28, 2026 |
| 4 | DSCR Cash-Out Refinance: How Much Can You Get? | How LTV limits, the new payment, seasoning and closing costs decide how much cash a rental refinance releases. | July 28, 2026 |
| 5 | DSCR HELOC vs. HELOAN: How to Borrow Against a Rental Property | A credit line or a lump sum against a rental: how lenders size each, and what to compare before signing. | July 28, 2026 |
| 6 | DSCR Construction Loans: How to Finance a Rental You Build | How construction financing and a DSCR loan fit together, and the cash to hold for interest, delays and the payoff gap. | July 28, 2026 |
| 7 | DSCR Portfolio and Blanket Loans: How to Finance Several Rentals | Separate loans or one blanket loan: how lenders test coverage, how release clauses work, and the shared-collateral risk. | July 28, 2026 |
Work alongside these guides
DSCRLoans101 is an independent editorial site. We do not originate loans and we are not affiliated with any lender. Every figure on this page comes from published lender materials or primary sources, and we publish the date we verified it.