Charlotte Real Estate Investors Network

REGISTER FOR THE MEETING HERE
What if the rental income from a property could help you qualify for the loan to buy it?
If you're investing in real estate, thinking about purchasing your first rental property, or working with clients who want to build a real estate portfolio, there's one financing option you need to know about: DSCR loans.
DSCR stands for Debt Service Coverage Ratio, and these loans are changing the way investors think about financing investment properties.
Unlike traditional mortgages that focus heavily on personal income, W-2s, and tax returns, DSCR loans focus primarily on the income potential of the investment property itself.
But how do they work? Who qualifies? And when does using a DSCR loan make sense?
Join us for DSCR Loans 101, a beginner-friendly introduction designed for real estate investors, Realtors, and anyone interested in building wealth through rental properties.
What You'll Learn

• What is a DSCR loan? Understanding the basics and how this type of financing works.
• How is DSCR calculated? The numbers investors and lenders look at when evaluating a rental property.
• Who qualifies for a DSCR loan? Credit scores, financial requirements, and what lenders want to see.
• How much money do you need? Down payments, closing costs, and cash reserve requirements.
• Do you need a job or traditional income verification? How DSCR financing differs from conventional mortgage qualification.
• What types of properties qualify? Single-family rentals, duplexes, multifamily properties, and other investment opportunities.
• Can first-time investors qualify? What you should know before purchasing your first rental property.
• What about short-term rentals and Airbnb properties? How lenders evaluate different rental strategies.
• Can you buy investment property through an LLC? How financing works when purchasing through a business entity.
• How do lenders determine rental income? Understanding rental estimates, leases, appraisals, and property cash flow.
• What if the rental income doesn't cover the mortgage payment? Exploring how different DSCR requirements affect financing options.
• What are the interest rates and loan terms? Comparing DSCR financing with conventional investment property loans.
• Can you refinance or pull equity out of an existing rental? Using DSCR loans for refinancing and portfolio growth.
• What are the hidden costs and potential pitfalls? Understanding fees, prepayment penalties, and other important considerations.
• How do you apply for a DSCR loan? What the process looks like from evaluating a property to closing.
• How can Realtors use this knowledge? Helping investor clients identify opportunities, understand financing options, and make informed decisions.

Who Should Attend?
Whether you're buying your first rental, adding to an existing portfolio, or helping clients invest in real estate, this session is for you!
Perfect for:

• New and aspiring real estate investors
• Experienced investors looking for additional financing strategies
• Realtors working with investor clients
• Wholesalers and real estate deal finders
• Anyone curious about building wealth through rental properties

No prior investing or mortgage knowledge required!
Bring your questions, connect with other real estate professionals, and discover another financing strategy that could open doors to your next investment opportunity.
Your next investment deal might be closer than you think. You just need to understand the financing options available!

Should a real estate investor get a real estate license?
SIGN UP HERE (please note you must sign up using this link)
WEDNESDAY 8 PM EST 7PM CST 5PM PST
Sometimes it’s a massive advantage… and sometimes it can complicate your business if you don’t know what you’re walking into.
In this training, we’ll cut through the “agents vs investors” drama and focus on one thing: what makes you more money and gives you more leverage.
You’ll learn:

• When being licensed helps investors win (better access, better data, better terms, better deal flow)
• How investors use a license to create extra profit centers (commissions, referrals, listings, buyer rep, property management pathways)
• The truth about MLS access, pocket listings, and being first to the good deals
• How licensing impacts wholesaling, double-closing, assignments, and disclosures
• What brokerages don’t tell you: fees, splits, compliance, and time requirements
• When it’s smarter to partner with an agent instead of becoming one
• A simple decision framework: licensed vs partnered vs hybrid model
• SIGN UP HERE(please note you must sign up using this link)

You’ll walk out knowing whether licensing fits your goals—and if it does, the cleanest path to do it without slowing down your investing.