Insights
Practical, no-nonsense articles on how private capital, bridge loans, DSCR financing, and fix-and-flip draw schedules actually work. Written by the MB4I team — the same people who review your deals.
Debt Service Coverage Ratio (DSCR) is the single most important metric for qualifying a rental property for non-QM financing. We break down the formula, walk through a worked example, and explain what DSCR lenders actually look for.
Bridge loan pricing is not just about the rate. We explain origination points, interest reserves, extension fees, and exit fees — and show you how to calculate the true cost of short-term capital before you commit.
If you are new to draw-based financing, understanding how and when capital is released can save you weeks on your project timeline. We explain typical draw schedules, inspection requirements, and how to keep your contractor aligned.
Bridge loans and DSCR loans serve fundamentally different purposes. We compare the two products side by side — terms, rates, qualification criteria, and exit strategies — to help you choose the right capital for your deal.
ARV is the foundation of fix-and-flip underwriting. We explain how ARV is calculated, how lenders use it to size loans, and why conservative ARV estimates protect you as an investor — not just the lender.
Conventional financing works for standard deals. But when your property type, timeline, or structure falls outside conventional guidelines, private capital may be your best — or only — option. Here is how to decide.
Authoritative Sources
We cite primary sources. These regulatory and industry organizations provide the foundational data behind our lending practices.
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