Break through hard money. Get your cash back out.
The DSCR Investor's Playbook is a 33 page playbook for the part of a BRRRR nobody explains until it's too late: what the property needs to appraise at, whether the rent carries the loan, and how to get out of hard money before the balloon.
Ten plays. No fluff, no rate sheet.
The End Zone
The appraisal you need to get every dollar back, worked on a real looking deal. It's on page 6.
Know the Rules
How a rental loan keeps score: rent divided by PITIA, and why taxes and insurance matter more than the rate.
The Blitz
Low appraisal, rent limit, payoff: the three defenders that sack a BRRRR, and how to block each one.
The Two Minute Drill
Hard money has a clock. What every month costs, and the 90 day rule.
Riding the Bench
Seasoning in plain language, delayed financing, and why to get the rule in writing.
The Scouting Report
Every document to have before you call a lender, plus a deal story template.
Run or Pass
Cash out refinance or keep the loan and add a second. When to call each play.
The Away Game
California realism: Prop 13 reassessment, fire zone insurance, HOAs and market rent.
Game Film
The fumbles that kill files, including the appraiser rule.
Call the Play
The free calculator, and how to get your actual address run.
Written from the files on my desk.
I'm Irving Arreola, a mortgage loan originator with Team Voltage Mortgages at HomeMac. Most of my week is spent on one kind of file: investors refinancing out of hard money into a rental loan. This playbook is what I wish every one of them had read before they bought.
Irving Arreola
Mortgage Loan Originator · NMLS #2790178
HomeMac, LLC · NMLS #1165808
- The playbook opens right away, and a copy lands in your inbox.
- You get The Capital Brief: short emails with real deal breakdowns. Unsubscribe any time.
- If you have a property in play, reply with the address, payoff and rent, and Irving runs the full exit math. No application needed.
Educational only. Not an offer of credit, loan approval, or commitment to lend. Programs, caps and requirements vary by lender. Business purpose loans on non owner occupied property. Irving Arreola, NMLS #2790178. HomeMac, LLC NMLS #1165808. Equal Housing Opportunity.