Creative Lending USA
Creative LendingUSA
Insights

Loan guides for real estate investors.

DSCR, fix and flip, bridge and foreign national loans. Rates, leverage, documents and closing, explained by the team that arranges them.

Real Estate Investing· 8 min

DSCR Loan Requirements: Credit, Down Payment and DSCR

DSCR loan requirements: minimum DSCR, down payment, reserves and eligible properties. The property's rent qualifies the loan, not your income.

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Real Estate Investing· 4 min

What Is a DSCR Loan? Definition, Formula and Example

DSCR loans approve a rental on the rent it earns, not on your income. The formula, a worked example and who uses them.

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Real Estate Investing· 6 min

The BRRRR Method: How Buy, Rehab, Rent, Refinance, Repeat Works

The BRRRR method step by step: buy below value, rehab, rent, refinance on the new value and repeat. How each step is financed, with a worked example.

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Fix and Flip· 7 min

Fix and Flip Financing: LTC, ARV and How to Get 100% Rehab

How fix-and-flip loans work: LTC vs ARV, rehab draws, qualifying on a first flip and a worked example at 90% of purchase and 100% of rehab.

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Foreign Investors· 9 min

Buying Property in the USA as a Foreigner: How Financing Works

Non-U.S. citizens can finance U.S. investment property with no SSN, no U.S. credit and no U.S. tax returns. Terms, documents and remote closing.

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Capital Strategy· 6 min

Hard Money vs. Bridge Loans: Which One Fits Your Deal?

Hard money or bridge loan? Rates, LTV, terms and closing speed side by side: which short-term loan fits your next deal.

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Foreign Investors· 5 min

Can a Foreign National Get a DSCR Loan Without an SSN?

Yes. Foreign nationals can get a DSCR loan on a U.S. rental with no SSN, no ITIN and no U.S. credit. What replaces them and what the terms are.

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Foreign Investors· 5 min

How Much Down Payment Does a Foreign National Need for a U.S. Rental?

Foreign nationals buying a U.S. rental need at least 30% down, plus closing costs and reserves. Worked examples at three price points.

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Foreign Investors· 6 min

Hard Money Loans for Foreign Investors: Fix-and-Flip and Bridge Loans Without U.S. Credit

Foreign investors can use U.S. fix and flip (hard-money) and bridge loans with no SSN and no U.S. credit. How they work and what you need.

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