DSCR loans are one of the most powerful tools available to rental property investors — but many investors still don't fully understand how they work, how DSCR is calculated, or what it takes to qualify. This guide breaks it all down in plain language so you can walk into your next deal with clarity and confidence.
Oak & Iron Lending · The Dunn Report
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Practical strategies, market updates, and lending guidance for real estate investors — written by a loan officer who has been in the trenches for over two decades.
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DSCR & Rentals
What is a DSCR loan and how do you qualify? A complete guide for rental investors
DSCR loans are one of the most powerful tools available to rental property investors — but many investors still don't fully understand how they work or what it takes to qualify.
What is a DSCR loan and how do you qualify? A complete guide for rental investors
How to calculate ARV and why it determines your fix & flip loan amount
After-repair value is the single most important number in any fix & flip deal. Lenders use it to determine how much they will lend you. Here is how to calculate it correctly.
Short-term rentals and DSCR loans — what Airbnb investors need to know
Airbnb and VRBO income can qualify for a DSCR loan — but the rules are different from long-term rentals. Here is exactly how lenders treat short-term rental income.
5 reasons real estate investors choose private lenders over traditional banks
Speed, flexibility, and deal-focused underwriting — here are the five reasons experienced investors work with private lenders and why more first-time investors are making the switch.
Ground-up construction loans explained — how draws work and what builders need to know
Construction loans are funded differently than traditional loans. This guide walks through the draw process, what triggers each release, and how to keep your project on schedule.
What rising interest rates mean for real estate investors in 2026
Rate environments shift — but smart investors adapt. Here is how to structure your deals and financing strategy to remain profitable as rates fluctuate through 2026.
First-time fix & flip investor? Here is what you need to know before your first deal
No experience required — but preparation is everything. This guide covers the loan process, how to evaluate a deal, and what lenders actually look for in a first-time flip borrower.
How to close your investment property in an LLC — and why most investors should
Closing in an LLC offers liability protection, tax advantages, and cleaner deal structures. Here is what you need to know about entity lending and how to set it up correctly.
How to use a DSCR loan to scale your rental portfolio without showing income
Investors with complex tax situations or significant write-offs often struggle to qualify for conventional loans. DSCR loans solve that problem — here is how to use them to grow.