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R.S.K. Tax & Consulting, LLC

Financing Q&A: Strategies for Investors and Business Owners

Published 24 days ago • 1 min read

Financing Q&A: Strategies for Investors and Business Owners

Interest rates remain elevated, and traditional bank financing is tighter than ever. But savvy investors and entrepreneurs are adapting — finding funding through creative, lender-friendly strategies. In this edition, we answer your top financing questions and share practical tips you can use right now.

Q1: Banks keep rejecting me. What are my best options right now?

  • DSCR Loans – Approval based on rental income, not personal income.
  • Portfolio Loans – Local lenders that keep loans in-house and offer flexible underwriting.
  • Private/Hard Money Loans – Fast funding for short-term needs like flips or bridge financing.
  • Seller Financing – Negotiate directly with the seller for better terms.

Pro Tip: Some investors use hard money for purchase and rehab, then refinance into a DSCR loan after improvements.

Q2: How can I improve my chances of approval?

  • Offer a higher down payment (25–30%).
  • Keep 6+ months of mortgage reserves in the bank.
  • Improve your credit profile and utilization ratio.
  • Partner with an experienced borrower if you are new.

Q3: Are there ways to fund deals without a bank?

  • HELOCs – Tap into home equity at lower rates than hard money.
  • Subject-To Financing – Take over the seller’s existing mortgage.
  • Syndication – Pool investor funds for larger projects.
  • Lease Options – Rent-to-own arrangements while generating cash flow.

Q4: Should I wait for rates to drop?

Not if the deal works today. Rates may stay high, and prices could increase if rates fall. Focus on properties that cash flow now, and refinance later if the opportunity arises.
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Closing Insight:​
Financing success comes down to relationships and preparation. Know your numbers, build rapport with lenders, and be ready to move when opportunities appear.
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RSK Tax & Consulting, LLC​
We help investors and business owners structure deals, secure funding, and build tax-smart growth strategies.

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