investorloanhack
20 guides

Playbooks

Loan-product playbooks: how each financing type actually works, who it fits, and where deals die. DSCR, bank-statement, P&L-only, ITIN, foreign national, asset depletion, and more.

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The DSCR Playbook: How Investors Actually Get Approved

How DSCR loans really work — the ratio underwriters compute, the leverage you can expect, and the five places these deals quietly die before closing.

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The Bank Statement Loan Playbook

Qualifying on deposits instead of tax returns: 12 vs 24-month programs, expense ratios, and how underwriters turn your statements into usable income.

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The P&L-Only Playbook

When a CPA-prepared profit-and-loss statement qualifies you without bank statements — and the cases where it beats every other Non-QM path.

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The ITIN Investor Playbook

Financing investment property with an ITIN instead of an SSN — documentation, leverage limits, and the lenders who genuinely do these.

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The Foreign National Playbook

Non-resident financing for U.S. investment property: equity expectations, banking and identity docs, and how income is verified from abroad.

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The Asset Depletion Playbook

Turning liquid assets into qualifying income: how the depletion formula works, which accounts count, and when this beats every income-based path.

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The 1099 Income Playbook

Qualifying gig, contractor, and commission earners on 1099s alone — the lookback, the haircuts, and how this differs from bank-statement programs.

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The BRRRR Playbook

Buy, rehab, rent, refinance, repeat — the financing spine of BRRRR, where the DSCR take-out pencils, and the seasoning rules that trip people up.

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The Short-Term Rental DSCR Playbook

Airbnb and VRBO underwriting on DSCR: how STR income is treated, the lenders who use projections vs trailing history, and the seasonality trap.

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The Portfolio Loan Playbook

Financing five or more properties under one loan: blanket structures, release clauses, cross-collateralization, and when consolidation actually helps.

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The Fix-and-Flip Playbook

Bridge financing into a take-out refi — how investors fund the buy, the rehab, and the exit without getting stranded between loans.

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The Bridge Loan Playbook

Short-term bridge financing for investors — when it fits, what it costs in flexibility, and how to plan the exit before you sign.

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The Hard Money Playbook

When DSCR can't fit the deal — how hard money actually works for investors, the real cost, and how to refinance out fast.

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The Commercial 5+ Unit Playbook

Where residential rules stop and commercial underwriting begins — financing apartment buildings of five units and up.

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The Multi-Family DSCR Playbook

DSCR financing for 2–4 unit properties — how lenders blend the rents, the leverage you can expect, and where appraisals bite.

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The Vacation Rental Playbook

Seasonal income treatment for vacation rentals — how underwriters handle peaky revenue and what documentation actually moves the needle.

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The Mixed-Use Playbook

Financing residential-plus-commercial properties — when the residential share saves the deal and when commercial rules take over.

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The Manufactured Home Investor Playbook

Title and financing landmines for manufactured-home investors — de-titling, foundation requirements, and the lenders who play.

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The Subject-To + Wrap Playbook

Creative acquisition with subject-to and wraparound notes — the mechanics, the due-on-sale risk, and the DSCR refi exit.

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The Seller Financing Playbook

When banks won't play — structuring seller-financed investment deals and refinancing into conventional DSCR later.