Foreign nationals

From Australia to Atlanta: how a foreign national closed a U.S. rental in 18 days

Delaware LLC, ITIN, international wire. Full timeline and cost breakdown for an Australian investor buying their first U.S. rental property.

By Joseph Carpino6 min read
Case studies

How a 5-door Memphis portfolio closed in 16 days with a blanket DSCR

Full deal breakdown: $840K blanket loan, blended 1.31x DSCR, $280K cash out, 4 properties under one loan. What made it work.

By Joseph Carpino6 min read
Strategy

How to use a DSCR cash-out to fund your next acquisition without selling anything

The equity recycling loop: pull cash from property A, use it as the down payment on property B. Repeat. Modeled out over 5 deals.

By Viraj Bhalla6 min read
Market analysis

The best markets for DSCR investors in 2026: where cash flow still works

Atlanta, Memphis, Tampa, Charlotte, Jacksonville — the markets where rent-to-price ratios still support 1.25x+ DSCR at current rates.

By Viraj Bhalla6 min read
Market analysis

DSCR rates in 2026: what's driving spreads and where they're heading

10-year Treasury, MBS spreads, and how they combine to set DSCR pricing. What operators should watch to time their locks.

By Viraj Bhalla6 min read
Foreign nationals

ITIN, EIN, LLC: the three acronyms every international real estate investor needs to know

What each one is, how to get it, how long it takes, and in what order to get them. The setup checklist for non-resident investors.

By Joseph Carpino6 min read
Foreign nationals

Step-by-step: how to buy a U.S. rental from outside the U.S.

Form the LLC, get the ITIN, open the bank account, drop the address. A timeline-by-timeline walkthrough for international investors.

By Viraj Bhalla6 min read
Strategy

Why the 14-day close is worth more than a lower rate

On a $400K bridge at 12%, every extra day costs $131. Here's how we calculated what a 31-day advantage is actually worth.

By Joseph Carpino6 min read
Bridge & BRRRR

The bridge calculator: understanding your daily bleed and why it matters

At 12%, $400K in bridge costs $131/day. Here's exactly how bridge interest compounds and what 31 fewer days means in dollar terms.

By Viraj Bhalla6 min read
Bridge & BRRRR

The BRRRR math: how to model a full cycle before you buy

Purchase price, renovation, ARV, DSCR exit at 75% ARV, equity recycled. A worked example with real numbers.

By Joseph Carpino6 min read
DSCR basics

Interest-only DSCR: when IO makes the deal work and when it doesn't

IO can turn a 0.94x deal into a 1.18x deal. But it costs you amortization. Here's how to model whether IO is worth the rate premium.

By Joseph Carpino6 min read
DSCR basics

DSCR vs. conventional: the honest comparison

Where DSCR wins, where it doesn't, and how to decide which product is right for your specific deal.

By Viraj Bhalla6 min read

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