Fix and Flip Loans vs DSCR Loans: What’s the Difference?

Fix and Flip Loans:

– Short-term (6–12 months)
– Designed for value-add projects
– Fund purchase + rehab
– Based on ARV, project scope, and experience

Best for: distressed properties, major rehabs, short timelines.

DSCR Loans:

– Long-term (30-year options)
– Designed for rental properties
– Based on rent vs. mortgage ratio
– No income docs or tax returns

Best for: stabilized rentals, BRRRR exits, long-term cash flow.

The Professional Play?

Buy with Hard Money at a discount to close quick and reduce your cash out of pocket. Refinance with DSCR for long term growth, tax benefits, and cash flow.