Investment Property Financing Made Simple
Connect with the right lenders for your DSCR loans, bridge loans, and more. Fast approvals, competitive rates.
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Welcome to MoneyMatcher.io Documentation
Your complete guide to investment property financing. We connect real estate investors with qualified lenders for DSCR loans, bridge loans, hard money, and more.
How MoneyMatcher Works
1. Tell Us About Your Property
Complete our simple online application in just 10 minutes. Share details about your investment property and financing needs.
2. Get Matched with Lenders
Our AI analyzes your profile and matches you with qualified lenders who specialize in your loan type.
3. Receive Competitive Offers
Compare rates, terms, and choose the best financing for your deal. Close in as little as 15-30 days.
Loan Types We Offer
DSCR Loans
Most Popular
Debt Service Coverage Ratio loans qualify based on property cash flow, not personal income. Perfect for investors with multiple properties or 1099 income.
- LTV: Up to 80%
- Credit Score: 680+ minimum
- Rate: 11-13% typical
- Property Types: SFR, 2-4 unit, 5-10 unit
Hard Money Loans
Fast Closing
Asset-based loans for fix-and-flip projects. Close in as little as 7-10 days.
- LTV: Up to 65-70%
- Term: 6-12 months
- Rate: 12-15%
- Use: Rehab, fix-and-flip, bridge financing
Conventional Investment Loans
Traditional financing through banks and credit unions. Best rates for qualified borrowers.
- LTV: Up to 75%
- Credit Score: 720+ recommended
- Rate: 8-10% typical
- Requirements: Full documentation, stable income
DSCR Deep Dive
💡 What is DSCR?
Debt Service Coverage Ratio measures a property's ability to cover its mortgage payment from rental income. Lenders typically require a minimum DSCR of 1.25.
How to Calculate DSCR
DSCR = (Monthly Rental Income × 0.75) / Monthly Mortgage Payment
Example:
- Rental Income: $3,000/month
- Adjusted Income: $3,000 × 0.75 = $2,250 (after expenses)
- Mortgage Payment: $1,800/month
- DSCR: $2,250 / $1,800 = 1.25 ✅
| DSCR Ratio | Status | Meaning |
|---|---|---|
| 1.25+ | Excellent | Strong cash flow, easily qualifies |
| 1.00 - 1.24 | Acceptable | Breakeven to modest cash flow |
| <1.00 | Below Minimum | Property doesn't cover payment |
Interactive Calculators
Try our live calculators to see if you qualify:
Estimate your monthly payment:
The Loan Process
Application Submitted
Complete online application in 10 minutes
Document Upload
Submit required documents to secure vault
Underwriting Review
Lenders review your application and property
Lender Matching
Receive competitive offers from qualified lenders
Approval & Terms
Review and accept your preferred offer
Closing
Sign documents and receive funding
Frequently Asked Questions
How long does the process take?
Most loans close in 15-30 days from application to funding. Hard money loans can close in as little as 7-10 days for time-sensitive deals.
What credit score do I need?
DSCR loans typically require 680+, conventional loans 720+. Hard money loans focus more on property value and equity than credit score.
Can I finance multiple properties?
Yes! We work with lenders who specialize in portfolio financing for investors with multiple properties. DSCR loans are ideal for building a portfolio.
Do I need to show personal income?
Not with DSCR loans! These loans qualify based solely on the property's rental income. Perfect for self-employed investors or those with complex tax returns.
Resources & Contact
📚 Quick Reference
- DSCR: Debt Service Coverage Ratio - measures cash flow
- LTV: Loan-to-Value Ratio - loan amount ÷ property value
- ARV: After Repair Value - projected value after rehab
- NOI: Net Operating Income - rental income minus expenses
- Cap Rate: Capitalization Rate - NOI ÷ property value
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