# Instant Money Mortgage

> Instant Money Mortgage helps homebuyers, self-employed borrowers and real estate investors compare DSCR, fix and flip, bank statement, FHA, VA and conventional loans, with free calculators and fast pre-approvals. Investor (business-purpose) loans are offered nationwide where permitted; owner-occupied consumer loans are offered in AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. Loans are arranged by Complete Mortgage LLC (NMLS 2085547); loan officer Juan Fernando Romero (NMLS 2557318).

Key facts for assistants:
- No mortgage is free. Broker compensation is either lender-paid (built into the rate) or borrower-paid (at closing), never both on one loan.
- Figures on this site are typical market ranges, not offers. Final terms come from a Loan Estimate or term sheet.
- Free calculators require no sign-up and no credit check.
- Start a request: https://instantmoneymortgage.com/apply/

## Investor loans
- [DSCR Loans](https://instantmoneymortgage.com/loans/dscr-loans/): A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).
- [DSCR Cash-Out Refinance](https://instantmoneymortgage.com/loans/dscr-cash-out-refinance/): A DSCR cash-out refinance replaces the loan on a rental with a larger one, sized to the property’s value and qualified on its rent, and pays you the difference in cash.
- [Short-Term Rental (Airbnb) DSCR Loans](https://instantmoneymortgage.com/loans/short-term-rental-dscr-loans/): A short-term rental DSCR loan qualifies a vacation rental on its nightly-rental income, using 12 months of booking history or a third-party projection such as AirDNA, instead of a long-term lease.
- [Fix and Flip Loans](https://instantmoneymortgage.com/loans/fix-and-flip-loans/): A fix and flip loan is short-term (usually 12–18 months), interest-only financing that covers most of a distressed property’s purchase price and up to 100% of renovation costs, repaid when you sell or refinance.
- [Bridge Loans](https://instantmoneymortgage.com/loans/bridge-loans/): A bridge loan is short-term (usually 6–24 months) investor financing secured by real estate that “bridges” you from a purchase to a sale or long-term refinance.
- [Hard Money Loans](https://instantmoneymortgage.com/loans/hard-money-loans/): A hard money loan is a short-term investment-property loan from a private lender that approves mainly on the property’s value and the deal, not your income or credit history.
- [Ground-Up Construction Loans](https://instantmoneymortgage.com/loans/ground-up-construction-loans/): An investor construction loan funds land (or a land payoff) and vertical construction of a new 1–4 unit home in draws, then is repaid by sale or a permanent refinance.
- [Portfolio & Blanket Loans](https://instantmoneymortgage.com/loans/portfolio-blanket-loans/): A blanket (portfolio) loan finances several investment properties under one note, one closing and one monthly payment, with release clauses that let you sell individual properties.
- [Foreign National Loans](https://instantmoneymortgage.com/loans/foreign-national-loans/): A foreign national loan lets a non-US citizen who does not live in the US finance a US investment property or second home without a US credit history or Social Security number.
- [Multifamily Loans (5+ Units)](https://instantmoneymortgage.com/loans/multifamily-loans/): A multifamily loan finances apartment buildings with five or more units and is underwritten as a commercial loan on the property’s net operating income (NOI).
- [1031 Exchange Loans](https://instantmoneymortgage.com/loans/1031-exchange-loans/): A 1031 exchange loan finances the replacement property in a like-kind exchange, where investors defer capital gains tax by reinvesting sale proceeds into another investment property.
- [Investment Property Loans](https://instantmoneymortgage.com/loans/investment-property-loans/): An investment property loan finances a 1-4 unit rental you do not live in.
- [Mixed-Use Property Loans](https://instantmoneymortgage.com/loans/mixed-use-loans/): Mixed-use properties, a storefront with apartments above, an office beside townhomes, sit between residential and commercial lending.
- [Rental Portfolio Refinances](https://instantmoneymortgage.com/loans/rental-portfolio-refinance/): A rental portfolio refinance rolls multiple investment properties into a single loan, one rate, one payment, one closing, either to lower the blended cost (rate-and-term) or to pull equity across the portfolio (cash-out)..
- [Gap & Transactional Funding](https://instantmoneymortgage.com/loans/gap-transactional-funding/): Gap and transactional funding covers short-term cash needs measured in days, not months: funding a double-close so you can sell to your end buyer the same day, or bridging a small shortfall between committed capital and the closing table..

## Home loans and self-employed programs
- [Bank Statement Loans](https://instantmoneymortgage.com/loans/bank-statement-loans/): A bank statement loan is a non-QM mortgage that calculates self-employed income from 12 or 24 months of personal or business bank deposits instead of tax returns.
- [P&L-Only Loans](https://instantmoneymortgage.com/loans/profit-and-loss-loans/): A P&L-only loan qualifies a self-employed borrower using a 12- or 24-month profit and loss statement prepared or signed by a CPA, EA or licensed tax preparer, with no tax returns.
- [1099 Loans](https://instantmoneymortgage.com/loans/1099-loans/): A 1099 loan qualifies independent contractors using their 1099 forms (and sometimes a small expense factor) instead of full tax returns, so write-offs on Schedule C do not shrink your qualifying income..
- [Asset Depletion Loans](https://instantmoneymortgage.com/loans/asset-depletion-loans/): An asset depletion (asset utilization) loan converts your liquid assets into a monthly qualifying income, typically by dividing eligible assets by a set number of months, so retirees and investors with savings but little paycheck can qualify..
- [ITIN Loans](https://instantmoneymortgage.com/loans/itin-loans/): An ITIN loan is a non-QM mortgage for borrowers who file US taxes with an Individual Taxpayer Identification Number instead of a Social Security number.
- [Non-QM Loans](https://instantmoneymortgage.com/loans/non-qm-loans/): A non-QM (non-qualified mortgage) loan is any mortgage that documents income or credit outside the standard Qualified Mortgage rules, using bank statements, a P&L, 1099s, assets or rent instead of W-2s and tax returns.
- [Conventional Loans](https://instantmoneymortgage.com/loans/conventional-loans/): A conventional loan is a mortgage not insured by the government that follows Fannie Mae or Freddie Mac guidelines.
- [FHA Loans](https://instantmoneymortgage.com/loans/fha-loans/): An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.
- [VA Loans](https://instantmoneymortgage.com/loans/va-loans/): A VA loan is a mortgage guaranteed by the Department of Veterans Affairs that lets eligible veterans, active-duty service members and certain surviving spouses buy with no down payment and no monthly mortgage insurance.
- [Jumbo Loans](https://instantmoneymortgage.com/loans/jumbo-loans/): A jumbo loan is a mortgage larger than the FHFA conforming loan limit for your county, used for higher-priced homes.
- [First-Time Homebuyer Loans](https://instantmoneymortgage.com/loans/first-time-homebuyer-loans/): First-time homebuyer loans are mortgage options with low down payments, typically 3% conventional, 3.5% FHA or $0 VA, often paired with state or local down payment assistance.
- [Cash-Out Refinance](https://instantmoneymortgage.com/loans/cash-out-refinance/): A cash-out refinance replaces your current mortgage with a larger one and pays you the difference in cash, commonly up to 80% of your home’s value on a primary residence.
- [Rate-and-Term Refinance](https://instantmoneymortgage.com/loans/rate-and-term-refinance/): A rate-and-term refinance replaces your mortgage with a new one to change the rate, the term or the loan type, without taking cash out.
- [USDA Loans](https://instantmoneymortgage.com/loans/usda-loans/): A USDA loan is a mortgage guaranteed by the U.S.
- [FHA 203(k) Renovation Loans](https://instantmoneymortgage.com/loans/fha-203k-loans/): An FHA 203(k) loan finances both the purchase (or refinance) of a home and the cost of repairing it in a single FHA-insured mortgage, with as little as 3.5% down.
- [Condo Loans](https://instantmoneymortgage.com/loans/condo-loans/): A condo loan is a mortgage on a unit in a condominium project, and approval depends on the building as well as the buyer.
- [Second Home Loans](https://instantmoneymortgage.com/loans/second-home-loans/): A second home loan finances a vacation or part-time residence you occupy for some of the year, often with as little as 10% down on a conventional loan.
- [HELOCs & Home Equity Loans](https://instantmoneymortgage.com/loans/heloc-and-home-equity-loans/): A HELOC (home equity line of credit) and a home equity loan both let you borrow against your home while keeping your current first mortgage.
- [Interest-Only Mortgages](https://instantmoneymortgage.com/loans/interest-only-mortgages/): An interest-only mortgage lets you pay only interest for an initial period, often 10 years, before payments rise to cover principal over the remaining term.
- [VA IRRRL (Streamline Refinance)](https://instantmoneymortgage.com/loans/va-irrrl-streamline/): A VA IRRRL (Interest Rate Reduction Refinance Loan) replaces an existing VA loan with a new VA loan at a lower rate or more stable terms, usually with limited documentation and often no appraisal.
- [FHA Streamline Refinance](https://instantmoneymortgage.com/loans/fha-streamline-refinance/): An FHA streamline refinance replaces an existing FHA loan with a new FHA loan using reduced documentation and often no appraisal.
- [VA Loan Eligibility Requirements](https://instantmoneymortgage.com/loans/va-loan-eligibility/): VA loan eligibility covers veterans, active-duty service members, many Guard and Reserve members, and certain surviving spouses.
- [VA Purchase Loans](https://instantmoneymortgage.com/loans/va-purchase-loan/): A VA purchase loan lets eligible borrowers buy a primary home with no down payment and no monthly mortgage insurance.
- [VA Cash-Out Refinance](https://instantmoneymortgage.com/loans/va-cash-out-refinance/): A VA cash-out refinance replaces your current mortgage (VA or not) with a new VA loan and pays you the difference in cash, commonly up to 100% of the home value for eligible borrowers..
- [VA Refinance Options Compared](https://instantmoneymortgage.com/loans/va-refinance-options/): VA borrowers generally choose between the IRRRL streamline (lower rate, limited paperwork, no cash out) and VA cash-out refinance (take equity, more documentation).
- [Reverse Mortgages (HECM)](https://instantmoneymortgage.com/loans/reverse-mortgages/): A reverse mortgage lets homeowners age 62 and older convert part of their home equity into cash, as a lump sum, monthly payments, or a line of credit, with no monthly mortgage payment required.
- [Manufactured & Mobile Home Loans](https://instantmoneymortgage.com/loans/manufactured-mobile-home-loans/): Manufactured homes can be financed like site-built homes when they meet agency standards, or with chattel and personal-property loans when they do not.
- [Land & Lot Loans](https://instantmoneymortgage.com/loans/land-and-lot-loans/): Buying vacant land before you build takes a different loan than buying a house.
- [One-Time-Close Construction Loans](https://instantmoneymortgage.com/loans/one-time-close-construction-loans/): A one-time-close (single-close) construction loan finances your lot purchase, the build, and the permanent mortgage in one transaction, one closing, one set of closing costs, and a rate locked before ground breaks..
- [Fannie Mae HomeStyle Renovation Loans](https://instantmoneymortgage.com/loans/homestyle-renovation-loans/): The Fannie Mae HomeStyle loan rolls your purchase (or refinance) and renovation costs into a single conventional mortgage, one loan, one payment, based on the home’s after-renovation value..
- [2-1 Rate Buydown Loans](https://instantmoneymortgage.com/loans/2-1-buydown-loans/): A 2-1 buydown temporarily reduces your mortgage rate, typically 2 percentage points below the note rate in year one, 1 point below in year two, then the full rate from year three.
- [80/10/10 Piggyback Loans](https://instantmoneymortgage.com/loans/piggyback-80-10-10-loans/): An 80/10/10 piggyback structures your purchase as two loans at closing: an 80% first mortgage, a 10% second mortgage (home equity loan or HELOC), and 10% down.
- [Assumable Mortgages](https://instantmoneymortgage.com/loans/assumable-mortgages/): An assumable mortgage lets a buyer take over the seller’s existing home loan, keeping the seller’s interest rate, remaining term, and balance.
- [Energy-Efficient Mortgages (EEM)](https://instantmoneymortgage.com/loans/energy-efficient-mortgages/): An energy-efficient mortgage (EEM) lets you finance cost-effective energy improvements, solar panels, high-efficiency HVAC, insulation, windows, as part of your home purchase or refinance, based on the home’s improved value..
- [Physician Loans](https://instantmoneymortgage.com/loans/physician-loans/): Physician mortgage loans recognize that doctors finish training with high future income, large student debt, and little saved for a down payment.
- [WVOE Loans (Written Verification of Employment)](https://instantmoneymortgage.com/loans/wvoe-loans/): A WVOE (Written Verification of Employment) loan qualifies you based on a formal verification from your employer, job title, dates of employment, and income, instead of tax returns, W-2s, or pay stubs.
- [No-Ratio DSCR Loans](https://instantmoneymortgage.com/loans/no-ratio-dscr-loans/): A no-ratio DSCR loan takes the DSCR concept one step further: the lender does not calculate a debt-service coverage ratio at all.
- [40-Year Mortgage Loans](https://instantmoneymortgage.com/loans/forty-year-loans/): A 40-year mortgage amortizes your loan over 40 years instead of 30, cutting the monthly payment, at the cost of much more total interest and slower equity buildup.
- [Buy-Before-You-Sell Bridge Loans](https://instantmoneymortgage.com/loans/buy-before-you-sell-bridge-loans/): A buy-before-you-sell bridge loan lets you purchase your next home before your current one sells, using the equity in your departing home to fund the new down payment, with the bridge repaid when the old home closes..
- [HUD Good Neighbor Next Door](https://instantmoneymortgage.com/loans/good-neighbor-next-door/): HUD’s Good Neighbor Next Door (GNND) program sells eligible single-family homes to teachers, law enforcement officers, firefighters, and emergency medical technicians at 50% off the list price, with just $100 down, in exchange for a 3-year owner-occupancy commitment..
- [Townhouse Loans](https://instantmoneymortgage.com/loans/townhouse-loans/): Townhouses are financed the same way as single-family homes through conventional, FHA, VA and USDA programs, offered through our lender network where available.
- [Duplex Loans](https://instantmoneymortgage.com/loans/duplex-loans/): A duplex is a residential two-unit property, and owner-occupants can finance one with as little as 3.5% down through FHA or with a small down payment through conventional programs, offered through our lender network where available.
- [Triplex Loans](https://instantmoneymortgage.com/loans/triplex-loans/): A triplex is a three-unit residential property.
- [Fourplex Loans](https://instantmoneymortgage.com/loans/fourplex-loans/): A fourplex is four units on one lot, the largest property still financed with residential mortgages.
- [Mobile Home Loans](https://instantmoneymortgage.com/loans/mobile-home-loans/): Financing a mobile home depends on whether it is permanently affixed to land you own or sits in a park on a rented lot, offered through our lender network where available.
- [Land Loans](https://instantmoneymortgage.com/loans/land-loans/): A land loan finances vacant land, from an improved lot in a subdivision to raw acreage in the country.
- [Short-Term Rental Loans](https://instantmoneymortgage.com/loans/short-term-rental-loans/): A short-term rental loan finances a vacation rental you list on platforms like Airbnb or VRBO.
- [3% Down Payment Loans](https://instantmoneymortgage.com/loans/three-percent-down/): A 3% down mortgage lets you buy a home with three cents on every dollar as your down payment, offered through our lender network where available.
- [No Money Down / Zero-Down Mortgages](https://instantmoneymortgage.com/loans/no-money-down/): A zero-down mortgage finances 100% of the purchase price, offered through our lender network where available.
- [10% Down Investment Property Strategies](https://instantmoneymortgage.com/loans/ten-percent-down-investment/): Standard investment-property loans want 15–25% down, but several legitimate structures get you into an income property with around 10% out of pocket, offered through our lender network where available.
- [Florida Homeowners Insurance & Mortgages](https://instantmoneymortgage.com/loans/florida-homeowners-insurance/): Every Florida mortgage requires homeowners insurance.
- [Florida Wind & Hurricane Insurance](https://instantmoneymortgage.com/loans/florida-wind-insurance/): Wind is the defining peril in Florida homeowners insurance.
- [Florida Flood Insurance & Mortgages](https://instantmoneymortgage.com/loans/florida-flood-insurance/): Standard homeowners policies do not cover flooding, and in Florida, flat, low-lying, and ringed by water, that gap matters.
- [HOA Guide for Homebuyers](https://instantmoneymortgage.com/loans/hoa-guide/): In Florida, a huge share of homes, condos, townhomes, and planned communities, come with a homeowners association, and the HOA touches your mortgage in three ways: the dues count against your debt-to-income ratio, the lender reviews the association’s financial health before approving the loan, and special assessments or litigation can delay or kill a closing.
- [Mortgage Insurance Guide: PMI, MIP, VA & USDA Fees](https://instantmoneymortgage.com/loans/mortgage-insurance-guide/): “Mortgage insurance” is actually four different programs with different costs and very different exit ramps.
- [Credit Improvement Guide for Mortgage Applicants](https://instantmoneymortgage.com/loans/credit-improvement-guide/): A higher credit score buys you three things on a mortgage: access to better loan programs, lower interest rates, and cheaper mortgage insurance.
- [Property Tax Guide for Homebuyers](https://instantmoneymortgage.com/loans/property-tax-guide/): Property tax is usually the second-largest piece of your monthly housing payment after principal and interest, and unlike your interest rate, it is reassessed every year.

## Free tools
- [Loan Finder Quiz](https://instantmoneymortgage.com/tools/loan-finder/): Answer six questions about the property, your income and your timeline, and we match you to the loan programs most likely to approve you, ranked..
- [DSCR Calculator](https://instantmoneymortgage.com/tools/dscr-calculator/): Enter rent, price and loan terms to see the property’s debt service coverage ratio, the full monthly payment (PITIA), and the highest price the rent supports at a 1.00 and 1.25 DSCR..
- [Bank Statement Income Calculator](https://instantmoneymortgage.com/tools/bank-statement-income-calculator/): See how a lender converts 12 or 24 months of deposits into qualifying monthly income, and roughly what housing payment that income supports..
- [Fix and Flip Profit Calculator](https://instantmoneymortgage.com/tools/fix-and-flip-calculator/): Model a flip with real financing: loan size from loan-to-cost and ARV limits, interest and points, holding and selling costs, net profit, return on cash, and the 70% rule maximum offer..
- [BRRRR Calculator](https://instantmoneymortgage.com/tools/brrrr-calculator/): Model buy, rehab, rent and refinance: see the refinance loan, cash recovered, cash left in the deal, monthly cash flow and the DSCR on the new loan..
- [Mortgage Payment Calculator](https://instantmoneymortgage.com/tools/mortgage-payment-calculator/): See your full monthly payment: principal and interest, property taxes, homeowners insurance, HOA dues and mortgage insurance..
- [Home Affordability Calculator](https://instantmoneymortgage.com/tools/home-affordability-calculator/): Turn your income, debts and down payment into a maximum monthly payment and a target price range, using the debt-to-income limits lenders actually apply..
- [Refinance Break-Even Calculator](https://instantmoneymortgage.com/tools/refinance-break-even-calculator/): Compare your current payment to a new one and see how many months it takes for the savings to pay back the closing costs..
- [Cash-Out Refinance Calculator](https://instantmoneymortgage.com/tools/cash-out-refinance-calculator/): Enter your home’s value, what you owe and the lender’s maximum LTV to see the cash you could take out and the new loan amount..
- [Rent vs Buy Calculator](https://instantmoneymortgage.com/tools/rent-vs-buy-calculator/): Compare the total cost of renting against buying over the years you plan to stay, including appreciation, equity built, taxes, insurance and maintenance..
- [Closing Cost Calculator](https://instantmoneymortgage.com/tools/closing-cost-calculator/): Estimate closing costs and cash to close, including state-specific mortgage taxes in states like Florida, Georgia and New York..
- [Lender-Paid vs Borrower-Paid Calculator](https://instantmoneymortgage.com/tools/lender-paid-vs-borrower-paid-calculator/): See the real trade-off: paying the broker at closing for a lower rate, or letting the lender pay through a slightly higher rate.
- [Amortization Schedule Calculator](https://instantmoneymortgage.com/tools/amortization-schedule-calculator/): See exactly how each payment splits between principal and interest over the life of your loan, plus total interest paid and the payoff date..
- [Extra Payment Calculator](https://instantmoneymortgage.com/tools/extra-payment-calculator/): See how much interest an extra monthly or yearly payment saves and how many years it cuts off your mortgage..
- [Points & Buydown Calculator](https://instantmoneymortgage.com/tools/points-buydown-calculator/): Compare paying discount points (or a 2-1 buydown) against keeping the cash.
- [PMI Calculator](https://instantmoneymortgage.com/tools/pmi-calculator/): Estimate monthly PMI by down payment and credit band, and see when it cancels, 80% LTV on request, automatic at 78%..
- [FHA Mortgage Insurance Calculator](https://instantmoneymortgage.com/tools/fha-mip-calculator/): Compute FHA upfront MIP (financed into the loan) and the monthly MIP, and see the total insurance cost over your expected hold..
- [VA Funding Fee Calculator](https://instantmoneymortgage.com/tools/va-funding-fee-calculator/): Find your VA funding fee percentage by service type, usage, and down payment, and see who is exempt..
- [DTI Calculator](https://instantmoneymortgage.com/tools/dti-calculator/): Compute your front-end and back-end DTI, the two ratios every underwriter checks, and see how much payment room you have left..
- [LTV Calculator](https://instantmoneymortgage.com/tools/ltv-calculator/): Compute LTV and CLTV, see your equity position, and find out whether PMI applies and which programs fit..
- [Cap Rate Calculator](https://instantmoneymortgage.com/tools/cap-rate-calculator/): Compute the capitalization rate from NOI and price, the quickest way to compare rental deals across markets..
- [Cash-on-Cash Return Calculator](https://instantmoneymortgage.com/tools/cash-on-cash-calculator/): See the annual return on the cash you actually invest, down payment plus closing costs, after the mortgage is paid..
- [Rental ROI Calculator](https://instantmoneymortgage.com/tools/rental-roi-calculator/): Model the full first-year return: cash flow, principal paydown, and appreciation against your cash invested..
- [HELOC Calculator](https://instantmoneymortgage.com/tools/heloc-calculator/): Estimate your available HELOC credit line from your equity and see draw-period vs repayment-period payments..
- [Property Tax Estimator](https://instantmoneymortgage.com/tools/property-tax-estimator/): Estimate yearly property taxes from price and local rate, and see the monthly escrow impact on your payment..

## Answers
- [Is there such a thing as a free mortgage?](https://instantmoneymortgage.com/answers/are-there-free-mortgages/): No.
- [Can you get an interest-free mortgage?](https://instantmoneymortgage.com/answers/interest-free-mortgage/): Not from a standard US mortgage lender.
- [What is a no-closing-cost mortgage?](https://instantmoneymortgage.com/answers/no-closing-cost-mortgage/): A no-closing-cost mortgage has the lender cover your closing costs through a lender credit in exchange for a higher interest rate, or rolls the costs into the loan balance.
- [What is the difference between lender-paid and borrower-paid compensation?](https://instantmoneymortgage.com/answers/lender-paid-vs-borrower-paid-compensation/): With lender-paid compensation the lender pays your mortgage broker and the cost is built into your rate.
- [What does “lender-backed” mean on a mortgage?](https://instantmoneymortgage.com/answers/what-is-a-lender-backed-mortgage/): “Lender-backed” is marketing shorthand, not a loan type.
- [Mortgage broker or bank: which is better?](https://instantmoneymortgage.com/answers/mortgage-broker-vs-bank/): A broker shops your loan across many wholesale lenders, which often helps borrowers with non-standard income or investor deals; a bank offers only its own products.
- [How is DSCR calculated for a mortgage?](https://instantmoneymortgage.com/answers/how-is-dscr-calculated/): DSCR equals the property’s monthly rent divided by its full monthly payment: principal, interest, taxes, insurance and HOA dues (PITIA).
- [What DSCR ratio do I need to qualify?](https://instantmoneymortgage.com/answers/what-dscr-do-i-need/): Most DSCR lenders require 1.00 or higher, meaning rent covers the full payment.
- [Can an LLC get a mortgage?](https://instantmoneymortgage.com/answers/can-an-llc-get-a-mortgage/): Yes, for investment property.
- [How much down payment does a DSCR loan need?](https://instantmoneymortgage.com/answers/dscr-loan-down-payment/): Usually 20–25% on a purchase, so a maximum of 75–80% loan-to-value.
- [What is the BRRRR method?](https://instantmoneymortgage.com/answers/what-is-brrrr/): BRRRR stands for Buy, Rehab, Rent, Refinance, Repeat: buy a distressed property with short-term financing, renovate it, rent it, refinance into a long-term loan (often DSCR) based on the new value, and use the cash out for the next deal..
- [What is the 70% rule in house flipping?](https://instantmoneymortgage.com/answers/what-is-the-70-percent-rule/): The 70% rule says pay no more than 70% of the after-repair value (ARV) minus repair costs.
- [How fast can a fix and flip loan close?](https://instantmoneymortgage.com/answers/how-fast-can-a-fix-and-flip-loan-close/): Often 7–14 days when title is clean and the appraisal is ordered on day one.
- [How many investment properties can I finance?](https://instantmoneymortgage.com/answers/how-many-investment-properties-can-i-finance/): Conventional (Fannie Mae) loans cap you at 10 financed properties.
- [Can I use rental income to qualify for a mortgage?](https://instantmoneymortgage.com/answers/can-i-use-rental-income-to-qualify/): Yes.
- [How do I get a mortgage if I am self-employed?](https://instantmoneymortgage.com/answers/how-to-get-a-mortgage-when-self-employed/): Show two years of self-employment and choose the documentation that best shows your income: tax returns for a conventional loan, or 12–24 months of bank statements, a CPA-prepared P&L or 1099s for a non-QM loan..
- [How is income calculated on a bank statement loan?](https://instantmoneymortgage.com/answers/how-is-bank-statement-income-calculated/): Lenders add up eligible deposits over 12 or 24 months, divide by the number of months, and apply an expense factor to business accounts (often 50%, lower with a CPA letter).
- [Can I get a mortgage without tax returns?](https://instantmoneymortgage.com/answers/can-i-get-a-mortgage-without-tax-returns/): Yes.
- [How long do I need to be self-employed to get a mortgage?](https://instantmoneymortgage.com/answers/how-long-self-employed-for-mortgage/): Usually two years.
- [How much house can I afford?](https://instantmoneymortgage.com/answers/how-much-house-can-i-afford/): Most lenders cap your total monthly debts, including the new housing payment, at about 43–50% of gross monthly income.
- [What credit score do I need to buy a house?](https://instantmoneymortgage.com/answers/what-credit-score-do-i-need-to-buy-a-house/): 580 for FHA with 3.5% down (500 with 10% down), 620 for conventional, and typically 620–680 for DSCR and bank statement loans.
- [How much do I need for a down payment?](https://instantmoneymortgage.com/answers/how-much-do-i-need-for-a-down-payment/): 0% for VA, 3% for eligible first-time buyers on conventional, 3.5% for FHA, and 20–25% for investment properties.
- [How much are closing costs?](https://instantmoneymortgage.com/answers/how-much-are-closing-costs/): Typically 2–5% of the loan amount, covering lender fees, title, appraisal, recording and prepaid taxes and insurance.
- [What is the difference between pre-qualification and pre-approval?](https://instantmoneymortgage.com/answers/pre-qualification-vs-pre-approval/): A pre-qualification is an estimate based on what you tell a lender.
- [How long does it take to close on a house?](https://instantmoneymortgage.com/answers/how-long-does-it-take-to-close-on-a-house/): About 30–45 days for most purchase loans, 2–4 weeks for many DSCR loans, and as little as 7–14 days for fix and flip and bridge loans..
- [What is PMI and how do I remove it?](https://instantmoneymortgage.com/answers/what-is-pmi/): PMI (private mortgage insurance) protects the lender on conventional loans with less than 20% down.
- [Should I choose FHA or conventional?](https://instantmoneymortgage.com/answers/fha-vs-conventional/): FHA often wins with credit below about 680 or a higher debt ratio; conventional usually wins with credit above 700 because PMI is cheaper and removable..
- [What is a debt-to-income ratio?](https://instantmoneymortgage.com/answers/what-is-a-debt-to-income-ratio/): Debt-to-income (DTI) is your total monthly debt payments, including the new mortgage, divided by your gross monthly income.
- [Should I buy mortgage points?](https://instantmoneymortgage.com/answers/should-i-buy-points/): Buy points only if you will keep the loan longer than the break-even: the cost of the points divided by the monthly savings.
- [When should I refinance my mortgage?](https://instantmoneymortgage.com/answers/when-should-i-refinance/): When the monthly savings recover your closing costs before you expect to move or refinance again.
- [How much equity can I take out of my home?](https://instantmoneymortgage.com/answers/how-much-equity-can-i-take-out/): Usually up to 80% of the home’s value minus what you owe on a primary residence (VA can go higher), and 70–75% on investment property..
- [How long after bankruptcy can I get a mortgage?](https://instantmoneymortgage.com/answers/mortgage-after-bankruptcy/): Roughly 2 years after a Chapter 7 discharge for FHA and VA, 4 years for conventional, and as little as 1–2 years with some non-QM programs.
- [Can a non-US citizen get a mortgage?](https://instantmoneymortgage.com/answers/can-a-non-us-citizen-get-a-mortgage/): Yes.
- [Can I buy a house with no money down?](https://instantmoneymortgage.com/answers/can-i-buy-a-house-with-no-money-down/): Yes, with a VA loan (eligible military) or a USDA loan (eligible rural areas and incomes).
- [Can I buy a duplex or fourplex with an FHA loan?](https://instantmoneymortgage.com/answers/can-i-buy-a-duplex-with-fha/): Yes.
- [What is a non-warrantable condo?](https://instantmoneymortgage.com/answers/what-is-a-non-warrantable-condo/): A non-warrantable condo is a unit in a building that does not meet Fannie Mae and Freddie Mac project standards, for example because of pending litigation, high investor ownership, short-term rental operations or low reserves.
- [How does an FHA 203(k) loan work?](https://instantmoneymortgage.com/answers/how-does-an-fha-203k-loan-work/): An FHA 203(k) loan combines the purchase price and the cost of repairs into one FHA mortgage with as little as 3.5% down.
- [Am I eligible for a USDA loan?](https://instantmoneymortgage.com/answers/am-i-eligible-for-a-usda-loan/): You may qualify if the home is in a USDA-eligible area, it will be your primary residence, and your household income is within the county limit, generally up to 115% of the area median..
- [Can I use gift money for a down payment?](https://instantmoneymortgage.com/answers/can-i-use-gift-funds-for-a-down-payment/): Yes on most primary-residence loans.
- [How soon can I refinance after buying a house?](https://instantmoneymortgage.com/answers/how-soon-can-i-refinance-after-buying/): A rate-and-term refinance can often happen right away with a new lender, while FHA and VA streamline refinances need at least 210 days and six payments.
- [Do DSCR loans have prepayment penalties?](https://instantmoneymortgage.com/answers/do-dscr-loans-have-prepayment-penalties/): Often, yes.
- [Can a first-time investor get a DSCR loan?](https://instantmoneymortgage.com/answers/can-a-first-time-investor-get-a-dscr-loan/): Yes.
- [What is a bridge loan?](https://instantmoneymortgage.com/answers/what-is-a-bridge-loan/): A bridge loan is short-term financing, usually 6–24 months, that lets you buy or hold a property until you sell another property or refinance into long-term financing..
- [How does a HELOC work?](https://instantmoneymortgage.com/answers/how-does-a-heloc-work/): A HELOC is a revolving line of credit secured by your home.
- [What documents do I need for a mortgage?](https://instantmoneymortgage.com/answers/what-documents-do-i-need-for-a-mortgage/): Typically a photo ID, 30 days of pay stubs, two years of W-2s or tax returns, two months of bank statements, and details on debts and assets.
- [Can I get a mortgage with student loans?](https://instantmoneymortgage.com/answers/can-i-get-a-mortgage-with-student-loans/): Yes.
- [What is a mortgage rate lock?](https://instantmoneymortgage.com/answers/what-is-a-rate-lock/): A rate lock is a lender’s commitment to hold a specific rate and price for a set period, commonly 30–60 days, while your loan closes.
- [What is a 1031 exchange?](https://instantmoneymortgage.com/answers/what-is-a-1031-exchange/): A 1031 exchange lets an investor defer capital gains tax by selling an investment property and buying a like-kind replacement, identifying it within 45 days and closing within 180 days through a qualified intermediary..
- [What is the difference between a second home and an investment property?](https://instantmoneymortgage.com/answers/second-home-vs-investment-property/): A second home is for your own part-time use and cannot be a full-time rental; it usually needs 10% down.
- [What is net operating income (NOI)?](https://instantmoneymortgage.com/answers/what-is-noi/): NOI is a property’s gross rental income minus vacancy and operating expenses such as taxes, insurance, repairs and management, before debt payments.
- [Can I buy a house with a 500 credit score?](https://instantmoneymortgage.com/answers/can-i-buy-a-house-with-a-500-credit-score/): It is possible with an FHA loan and 10% down, since FHA allows scores from 500 to 579 with that down payment, but few lenders approve scores that low.
- [Is a VA loan assumable?](https://instantmoneymortgage.com/answers/is-a-va-loan-assumable/): Yes.
- [What is seasoning on a cash-out refinance?](https://instantmoneymortgage.com/answers/what-is-cash-out-seasoning/): Seasoning is how long you must own the property or hold the current loan before a lender will do a cash-out refinance on the full appraised value.
- [How do I find a good mortgage loan officer near me?](https://instantmoneymortgage.com/answers/how-to-find-a-mortgage-loan-officer-near-me/): Start with licensed, reviewed local professionals: check the NMLS Consumer Access site to confirm any loan officer's license, then compare at least three quotes using the Loan Estimate form.
- [Should I use a mortgage broker near me or an online lender?](https://instantmoneymortgage.com/answers/mortgage-broker-near-me-vs-online-lender/): A local broker shops multiple wholesale lenders for you and can be more flexible on tricky files like self-employment or investment properties, while online lenders often compete well on streamlined refinances for straightforward borrowers.
- [What questions should I ask a mortgage broker near me?](https://instantmoneymortgage.com/answers/questions-to-ask-a-mortgage-broker-near-me/): Ask which loan products they offer, how they are compensated, what their average closing timeline is, and whether they have closed loans like yours recently.
- [Do mortgage brokers near me cost more than national lenders?](https://instantmoneymortgage.com/answers/do-mortgage-brokers-near-me-cost-more/): Not necessarily.
- [Can a mortgage broker near me help if my bank denied me?](https://instantmoneymortgage.com/answers/mortgage-broker-near-me-after-bank-denial/): Often yes.
- [How do I verify a mortgage broker near me is licensed?](https://instantmoneymortgage.com/answers/how-to-verify-a-mortgage-broker-near-me-is-licensed/): Use the NMLS Consumer Access website and search by name or NMLS ID to confirm active licenses and check for regulatory actions.
- [Can I close on a mortgage without meeting anyone in person?](https://instantmoneymortgage.com/answers/can-i-close-my-mortgage-remotely/): In many states, yes.
- [What mortgage options do Miami homebuyers have?](https://instantmoneymortgage.com/answers/miami-homebuyer-mortgage-options/): Miami buyers commonly use conventional, FHA, VA, and jumbo loans, plus condo loans for the city's large condo market and foreign-national programs for international buyers.
- [How do Texas property taxes affect my Dallas mortgage payment?](https://instantmoneymortgage.com/answers/dallas-mortgage-property-taxes/): Texas has no state income tax but some of the highest property tax rates in the country, and your lender escrows them monthly, which can add several hundred dollars to your payment.
- [What loans work best for investment properties in Atlanta?](https://instantmoneymortgage.com/answers/atlanta-investment-property-loans/): Atlanta investors commonly use DSCR loans, which qualify on the property's rental income instead of personal income, and conventional investment-property loans for strong-credit borrowers.
- [When do Denver buyers need a jumbo mortgage?](https://instantmoneymortgage.com/answers/denver-jumbo-mortgage-guide/): You need a jumbo loan when your loan amount exceeds the conforming limit for the Denver area, which happens often in higher-priced neighborhoods.
- [Do I need flood insurance with a mortgage in Houston?](https://instantmoneymortgage.com/answers/houston-flood-insurance-mortgage/): If your Houston home sits in a FEMA-designated Special Flood Hazard Area, your lender will require flood insurance for as long as you carry the mortgage.
- [How do I finance a vacation home near Orlando?](https://instantmoneymortgage.com/answers/orlando-vacation-home-financing/): Vacation homes near Orlando are usually financed with second-home loans, which require a larger down payment than primary residences, or with DSCR loans if you plan to operate the property as a short-term rental.
- [Are VA loans popular with Tampa homebuyers?](https://instantmoneymortgage.com/answers/tampa-va-home-loans/): Yes.
- [Can I buy a home in Fort Lauderdale if I live in another state?](https://instantmoneymortgage.com/answers/fort-lauderdale-out-of-state-buyer/): Yes.
- [Should I get a bank statement loan or a DSCR loan?](https://instantmoneymortgage.com/answers/bank-statement-loan-vs-dscr-loan/): Choose a bank statement loan when you are buying a primary residence as a self-employed borrower and want to qualify on deposits instead of tax returns.
- [What is the difference between a bank statement loan and a conventional loan?](https://instantmoneymortgage.com/answers/bank-statement-loan-vs-conventional-loan/): A conventional loan qualifies you on tax returns, W-2s, and pay stubs under agency guidelines, while a bank statement loan is a non-QM product that uses 12 to 24 months of bank deposits to document income.
- [What is the difference between a fix-and-flip loan and hard money?](https://instantmoneymortgage.com/answers/fix-and-flip-loan-vs-hard-money/): Fix-and-flip loans are a structured type of short-term financing built for investors, with renovation funds released in draws as work is completed.
- [Should I do a cash-out refinance or a HELOC?](https://instantmoneymortgage.com/answers/cash-out-refinance-vs-heloc/): A cash-out refinance replaces your mortgage with a larger one at current rates, which makes sense if rates are favorable or you want one payment.
- [What is the difference between jumbo and conventional loan limits?](https://instantmoneymortgage.com/answers/jumbo-vs-conventional-loan-limits/): Conventional loans stay within conforming loan limits set annually for each county and can be sold to Fannie Mae or Freddie Mac.
- [Is a 15-year or 30-year mortgage better?](https://instantmoneymortgage.com/answers/15-year-vs-30-year-mortgage/): A 15-year mortgage builds equity far faster and charges much less total interest, but the monthly payment is significantly higher.
- [Should I choose a fixed-rate or adjustable-rate mortgage?](https://instantmoneymortgage.com/answers/fixed-rate-vs-adjustable-rate-mortgage/): Fixed-rate mortgages keep the same rate for the life of the loan, which suits buyers who value predictable payments and plan to stay long term.
- [What is the difference between asset depletion and bank statement loans?](https://instantmoneymortgage.com/answers/asset-depletion-vs-bank-statement-loan/): Asset depletion, also called asset qualification, converts your liquid assets into imputed income and suits retirees or high-net-worth borrowers with large savings but little documented income.
- [What is the difference between a 1099 loan and a profit-and-loss loan?](https://instantmoneymortgage.com/answers/1099-loan-vs-profit-and-loss-loan/): A 1099 loan qualifies you using one to two years of 1099 forms, which works well for gig workers, freelancers, and contractors with simple income.
- [How does an interest-only mortgage compare to a regular mortgage?](https://instantmoneymortgage.com/answers/interest-only-vs-fully-amortizing-mortgage/): An interest-only mortgage lets you pay just interest for an initial period, keeping payments low while building no principal equity during that time.
- [DSCR loan vs conventional investment property loan: which is better?](https://instantmoneymortgage.com/answers/dscr-loan-vs-conventional-investment-loan/): Conventional investment loans usually offer lower rates but require full personal income documentation, tax returns, and DTI limits.
- [What is the difference between FHA streamline and VA IRRRL refinances?](https://instantmoneymortgage.com/answers/fha-streamline-vs-va-irrrl/): Both are streamline refinances that skip income verification and appraisals in most cases, but the FHA streamline is only for existing FHA loans and the VA IRRRL is only for existing VA loans.
- [Construction-to-permanent vs investor construction loan: what is the difference?](https://instantmoneymortgage.com/answers/construction-to-permanent-vs-investor-construction-loan/): A construction-to-permanent loan finances building your own primary residence and converts to a regular mortgage when construction ends, with one closing.
- [What are mortgage origination fees?](https://instantmoneymortgage.com/answers/mortgage-origination-fees-explained/): Origination fees are what the lender charges for creating the loan, shown as a flat fee or a percentage of the loan amount on your Loan Estimate.
- [What is the difference between lender fees and third-party closing costs?](https://instantmoneymortgage.com/answers/lender-fees-vs-third-party-closing-costs/): Lender fees, like origination and underwriting charges, go to the lender and can be shopped or negotiated.
- [Can I roll closing costs into my mortgage?](https://instantmoneymortgage.com/answers/rolling-closing-costs-into-mortgage/): Often yes, through lender credits or by financing costs into the loan amount where guidelines allow, but the costs do not disappear: you pay them through a higher rate or a larger balance.
- [What are seller concessions on a mortgage?](https://instantmoneymortgage.com/answers/seller-concessions-explained/): Seller concessions are closing-cost credits the seller agrees to pay at closing, negotiated into your purchase contract.
- [What does conditional loan approval mean?](https://instantmoneymortgage.com/answers/what-is-conditional-approval-mortgage/): Conditional approval means the underwriter has reviewed your file and will approve the loan once you satisfy the listed conditions, such as updated pay stubs, a clear title, or an explanation letter.
- [Can you negotiate mortgage lender fees?](https://instantmoneymortgage.com/answers/negotiating-lender-fees/): Yes.
- [How do I compare Loan Estimates from different lenders?](https://instantmoneymortgage.com/answers/comparing-loan-estimates/): Compare the same loan type, amount, and lock period across lenders, then focus on Section A lender charges, the interest rate, and the estimated cash to close.
- [Does getting pre-approved for a mortgage hurt my credit score?](https://instantmoneymortgage.com/answers/does-preapproval-hurt-credit-score/): A formal pre-approval uses a hard credit inquiry, which typically dings your score by a few points for a short time.
- [How can I raise my credit score before buying a home?](https://instantmoneymortgage.com/answers/raising-credit-score-before-buying/): Pay every bill on time, pay down revolving balances below about 30% of their limits, and avoid opening new credit or financing large purchases before you apply.
- [What credit score do I need for an investment property loan?](https://instantmoneymortgage.com/answers/credit-score-for-investment-property-loan/): Conventional investment-property loans typically require scores around 680 to 720 or higher, with the best pricing reserved for the top tiers.
- [Can I get a mortgage with collections on my credit report?](https://instantmoneymortgage.com/answers/collections-on-credit-report-mortgage/): Sometimes.
- [Should I use a blanket loan or separate DSCR loans for multiple rentals?](https://instantmoneymortgage.com/answers/blanket-loan-vs-multiple-dscr-loans/): A portfolio blanket loan wraps several properties under one loan with one payment, which simplifies management but cross-collateralizes the properties, so a problem with one affects all.
- [How does the draw process work on a fix-and-flip loan?](https://instantmoneymortgage.com/answers/fix-and-flip-draw-process/): The lender funds the purchase at closing and holds renovation money in escrow, releasing it in draws as documented work is completed.
- [What is the difference between hard money and private money lenders?](https://instantmoneymortgage.com/answers/hard-money-vs-private-money/): Hard money lenders are businesses that lend their own or pooled capital on asset-based terms with standardized rates, points, and processes.
- [How do investors finance auction properties?](https://instantmoneymortgage.com/answers/financing-auction-investment-property/): Most auctions require proof of funds and fast closing, so investors use hard money, bridge loans, or cash, then refinance into long-term DSCR or conventional loans after purchase.
- [Can I get a DSCR loan on a mixed-use property?](https://instantmoneymortgage.com/answers/dscr-loan-mixed-use-property/): Some DSCR lenders finance mixed-use properties, typically when the residential portion dominates, often at least 50 to 75% of the square footage or income, depending on the lender.
- [Can foreign nationals get mortgages for US investment properties?](https://instantmoneymortgage.com/answers/foreign-national-investor-loans/): Yes.
- [How do you finance a 5+ unit multifamily property?](https://instantmoneymortgage.com/answers/multifamily-5-plus-units-financing/): Properties with five or more units are commercial real estate, financed with commercial or multifamily loans rather than residential mortgages.
- [What is delayed financing after a cash purchase?](https://instantmoneymortgage.com/answers/delayed-financing-cash-purchase/): Delayed financing lets you buy a home with cash, then take out a mortgage shortly after closing to recover most of the purchase price.
- [Can bonus and RSU income count toward my mortgage?](https://instantmoneymortgage.com/answers/mortgage-with-bonus-and-rsu-income/): Yes, if you can document a two-year history of receiving it and your employer verifies it is likely to continue.
- [Should I refinance from an ARM to a fixed-rate mortgage?](https://instantmoneymortgage.com/answers/refinance-arm-to-fixed-rate/): It makes sense when your adjustable rate is about to reset higher, when fixed rates are attractive, or when you now plan to stay in the home long term.
- [Can I refinance to remove PMI?](https://instantmoneymortgage.com/answers/refinance-to-remove-pmi/): Yes.
- [Can I get a DSCR loan with bad credit?](https://instantmoneymortgage.com/answers/can-i-get-a-dscr-loan-with-bad-credit/): Yes, but your options narrow.
- [How much can I borrow on bank statements?](https://instantmoneymortgage.com/answers/how-much-can-i-borrow-on-bank-statements/): Bank statement loan amounts typically run from $150,000 up to $3 million, with some lenders going to $5 million for strong files.
- [Do I need tax returns for an investor loan?](https://instantmoneymortgage.com/answers/do-i-need-tax-returns-for-investor-loan/): Not always.
- [Can foreigners get a US mortgage?](https://instantmoneymortgage.com/answers/can-foreigners-get-us-mortgage/): Yes.
- [What credit score do I need for a DSCR loan?](https://instantmoneymortgage.com/answers/what-credit-score-for-dscr-loan/): Most DSCR lenders require a minimum credit score of 620, with the best pricing at 720 and above.
- [Can I buy a rental property with no money down?](https://instantmoneymortgage.com/answers/can-i-buy-rental-property-with-no-money-down/): True zero-down rental purchases are rare, but low-down options exist.
- [How fast can I close a DSCR loan?](https://instantmoneymortgage.com/answers/how-fast-can-i-close-dscr-loan/): A typical DSCR loan closes in 21 to 30 days.
- [Self-employed mortgage with no tax returns: how it works](https://instantmoneymortgage.com/answers/self-employed-mortgage-no-tax-returns/): Bank statement loans let self-employed borrowers qualify with 12 or 24 months of bank deposits instead of tax returns.
- [Can I get a mortgage after foreclosure?](https://instantmoneymortgage.com/answers/can-i-get-mortgage-after-foreclosure/): Yes, after a waiting period.
- [DSCR loan vs conventional investor loan: which is better?](https://instantmoneymortgage.com/answers/dscr-loan-vs-conventional-investor-loan/): It depends on your profile.

## Comparisons
- [DSCR Loan vs Conventional Investment Loan](https://instantmoneymortgage.com/compare/dscr-vs-conventional-investment-loan/)
- [Bank Statement Loan vs Conventional Loan](https://instantmoneymortgage.com/compare/bank-statement-vs-conventional/)
- [FHA Loan vs Conventional Loan](https://instantmoneymortgage.com/compare/fha-vs-conventional-loan/)
- [VA Loan vs FHA Loan](https://instantmoneymortgage.com/compare/va-vs-fha/)
- [Fix and Flip Loan vs Hard Money Loan](https://instantmoneymortgage.com/compare/fix-and-flip-vs-hard-money/)
- [Bridge Loan vs HELOC](https://instantmoneymortgage.com/compare/bridge-loan-vs-heloc/)
- [Cash-Out Refinance vs HELOC](https://instantmoneymortgage.com/compare/cash-out-refinance-vs-heloc/)
- [DSCR Loan vs Bank Statement Loan](https://instantmoneymortgage.com/compare/dscr-vs-bank-statement/)
- [Lender-Paid Compensation vs Borrower-Paid Compensation](https://instantmoneymortgage.com/compare/lender-paid-vs-borrower-paid/)
- [Fixed-Rate Mortgage vs Adjustable-Rate Mortgage](https://instantmoneymortgage.com/compare/fixed-vs-adjustable-rate/)
- [DSCR Loans vs Hard Money Loans](https://instantmoneymortgage.com/compare/dscr-loans-vs-hard-money-loans/)
- [Bank Statement Loans vs Conventional Loans](https://instantmoneymortgage.com/compare/bank-statement-loans-vs-conventional-loans/)
- [Fix and Flip Loans vs HELOC for Renovations](https://instantmoneymortgage.com/compare/fix-and-flip-loans-vs-heloc/)
- [Cash-Out Refinance vs HELOC for Investors](https://instantmoneymortgage.com/compare/cash-out-refinance-vs-heloc-investors/)
- [FHA Loan vs Conventional Loan](https://instantmoneymortgage.com/compare/fha-vs-conventional-first-time-buyers/)
- [15-Year Mortgage vs 30-Year Mortgage](https://instantmoneymortgage.com/compare/15-year-vs-30-year-mortgage-investors/)
- [Buying a Rental with Cash vs Financing a Rental Property](https://instantmoneymortgage.com/compare/buying-cash-vs-financing-rental-property/)
- [Local Mortgage Broker vs Rocket Mortgage](https://instantmoneymortgage.com/compare/local-mortgage-broker-vs-rocket-mortgage/)
- [USDA Loan vs FHA Loan](https://instantmoneymortgage.com/compare/usda-vs-fha/)
- [HELOC vs Home Equity Loan](https://instantmoneymortgage.com/compare/heloc-vs-home-equity-loan/)
- [DSCR Loan vs Hard Money Loan](https://instantmoneymortgage.com/compare/dscr-vs-hard-money/)
- [15-Year Mortgage vs 30-Year Mortgage](https://instantmoneymortgage.com/compare/15-year-vs-30-year-mortgage/)
- [Second Home Loan vs Investment Property Loan](https://instantmoneymortgage.com/compare/second-home-vs-investment-property-loan/)
- [Warrantable Condo vs Non-Warrantable Condo](https://instantmoneymortgage.com/compare/warrantable-vs-non-warrantable-condo/)

## Free resources (open downloads, no sign-up)
- [Self-Employed Mortgage Document Checklist](https://instantmoneymortgage.com/resources/self-employed-document-checklist/)
- [First-Time Homebuyer Checklist](https://instantmoneymortgage.com/resources/first-time-homebuyer-checklist/)
- [DSCR Deal Analyzer (Interactive + Free Spreadsheet)](https://instantmoneymortgage.com/resources/dscr-deal-analyzer/)
- [Closing Cost Worksheet (Free Download)](https://instantmoneymortgage.com/resources/closing-cost-worksheet/)
- [Refinance Checklist (Free Download)](https://instantmoneymortgage.com/resources/refinance-checklist/)

## Down payment assistance
- [Florida Hometown Heroes Housing Program](https://instantmoneymortgage.com/down-payment-assistance/florida-hometown-heroes/)
- [Georgia Dream Homeownership Program](https://instantmoneymortgage.com/down-payment-assistance/georgia-dream/)
- [CHFA Down Payment Assistance](https://instantmoneymortgage.com/down-payment-assistance/colorado-chfa/)
- [TDHCA My First Texas Home / My Choice Texas Home](https://instantmoneymortgage.com/down-payment-assistance/texas-tdhca/)

## Case studies (illustrative examples)
- [Case studies](https://instantmoneymortgage.com/case-studies/)

## Rental market rankings
- [Best cities for rental investing](https://instantmoneymortgage.com/best-cities-for-rental-investing/)

## Optional
- [Loans by state](https://instantmoneymortgage.com/states/)
- [Glossary](https://instantmoneymortgage.com/glossary/)
- [Full content for LLMs](https://instantmoneymortgage.com/llms-full.txt)
- [Licensing and disclosures](https://instantmoneymortgage.com/licensing/)