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    Beginner Academy guide

    Compare financing paths

    8 min readBeginner

    Compare conventional, FHA house hack, DSCR, hard money, private money, and seller-finance paths by cash required, speed, risk, and exit plan.

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    Included in: Core Investor Curriculum · Deal Analyzer Certification

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    Financing is part of the strategy

    The same property can be a strong deal under one financing path and a weak deal under another. Compare each option by cash required, rate risk, seasoning, lender reserves, closing speed, and what it lets you do next.

    For a first deal, simple and survivable usually beats clever. Use creative financing only when the terms reduce risk or unlock a deal you fully understand.

    Learn, then do

    Launch tools from this lesson

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    Getting pre-approved

    Understand lender readiness before you make offers.

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    DSCR lending strategies

    Compare rental-income-based debt against personal-income underwriting.

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    Turn this lesson into execution with the matching templates, rehab checklists, contractor scopes, financing worksheets, and due-diligence workflows.

    Financing

    Financing Stack Worksheet

    A capital-stack worksheet for comparing loan terms, reserves, cash to close, rehab funding, and fallback lender risk.

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    Related guides

    Getting pre-approved for your first investment property loan

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    DSCR lending: how to qualify without W-2 income

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    Creative financing: seller finance, sub-to, and wraps

    Advanced · 13 min read

    Build the people layer

    After the financing path is plausible, identify the squad needed to execute.

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