DSCR vs Hard Money Loans
Hard money is built for speed and short holds. DSCR is built for keeping a rental long-term.
Hard money
- Short terms, often one to three years
- Fast closing, based mostly on the property
DSCR
- Long-term fixed or adjustable financing
- Lower payments than hard money
- Requires a rentable property
Often used together
Many investors buy and rehab with hard money, then refinance into a DSCR loan. See bridge to DSCR.
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