Real estate investors often face time-sensitive financing needs whether acquiring a new property, covering renovation costs, or leveraging equity between deals. Two common tools used to unlock capital are bridge loans and home equity lines of credit (HELOCs). While they may appear similar, they serve very different purposes, especially when speed, flexibility, and timing are [...]
When choosing a hard money loan, most investors focus on interest rates, loan terms, and funding speed. But there’s another factor that can significantly affect your return on investment: loan structure. Specifically, whether your loan uses a Dutch interest structure or not. Dutch interest loans can offer fast access to capital, but they often come [...]
In a fast-moving real estate market, timing often makes the difference between securing a great investment and missing out. Whether you're purchasing a new property, selling an existing one, or trying to finance an upgrade, having access to quick capital can be critical. That’s where bridge loans come in. A bridge loan is a short-term [...]
If you're a real estate investor looking for long-term financing without the red tape of traditional mortgages, a 30-year DSCR rental loan might be exactly what you need. Designed specifically for investment properties, these loans offer the structure of conventional financing with the flexibility of asset-based underwriting. Unlike bank loans that focus on personal income, [...]
Real estate investors seeking long-term financing for rental properties often run into obstacles when applying for conventional mortgages, especially if they’re self-employed, have multiple properties, or lack strong W-2 income. That’s where 30-year DSCR-based rental loans offer a powerful alternative. These loans are designed specifically for investors; providing flexible, income-based approval that focuses on property [...]
The Debt Service Coverage Ratio (DSCR) is one of the most important metrics used by lenders to evaluate whether a rental property generates enough income to cover its debt obligations. If you’re applying for a DSCR loan, understanding how this ratio works and how to calculate it, can help you determine whether your property qualifies [...]
Hard money lenders don’t just look at credit scores—they focus on the numbers that define a real estate deal. Two key metrics, Loan-to-Cost (LTC) and Loan-to-Value (LTV), determine how much financing you can secure. While they serve different purposes, understanding both can help you maximize leverage and secure better loan terms. Understanding these metrics can [...]
Getting approved for a loan with a less-than-perfect credit score can be challenging, especially when time-sensitive real estate deals are on the line. Traditional lenders often rely heavily on credit scores to determine loan eligibility. Still, bridge loans offer a more flexible financing option—especially for real estate investors and homeowners who need short-term funding. If [...]
Securing a hard money loan in Houston can be a swift and efficient way to finance your real estate investments. At LJC Financial, we specialize in providing asset-based lending solutions tailored to meet the unique needs of investors in the Houston area. To ensure a seamless application process, coming prepared with the necessary documentation and [...]
Hard money loans can unlock significant opportunities for Houston investors looking to fund real estate projects quickly. However, some common missteps often go unnoticed, leading to unnecessary delays, increased costs, or even failed investments. Recognizing and avoiding these pitfalls can save time and money while ensuring a smoother borrowing experience. Below are five lesser-discussed mistakes [...]
