DSCR Loan vs Hard Money Loan
Long-term rental financing versus short-term project capital.
These two solve different problems. A DSCR loan is long-term financing for a rental you intend to hold, qualified on the property's cash flow. A hard money loan is short-term, asset-based capital for a project, like a flip or a bridge, that you plan to exit quickly. Many investors use both: hard money to acquire and renovate, then a DSCR loan to refinance and hold.
If the property is rented and you plan to hold it, a DSCR loan is the cheaper long-term home. If you are buying to renovate or need to move fast, hard money gets you in, then refinance into a DSCR loan once it is stabilized.
Rates and terms shown are typical figures, subject to underwriting and market conditions. Not a commitment to lend.
Common questions
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