Property analysis and financing FAQ
Learn how rental income, debt service coverage ratio, registration and estimated rates fit together. Understand the process before researching a property or requesting help.
STR Advisory is a rental-property decision and financing platform. Our tools help investors evaluate income, compare preliminary financing and organize next steps. When ready, our team reviews the package, arranges eligible business-purpose financing with third-party lenders and coordinates the transaction.
No. Start with a property address or view the sample analysis before requesting human review.
Yes. Financing has separate disclosed fees and transaction costs if you proceed. Free preliminary analysis does not mean free financing.
You can view the sample analysis without registering. The current property-check workflow asks you to create an account to save your own properties and view preliminary options.
No credit pull is part of the preliminary property check. Formal financing may require credit authorization and additional information.
Yes. The workspace supports saved purchase and refinance properties so you can revisit opportunities and compare assumptions.
No. It summarizes decision-support factors. It does not establish investment suitability, profitability, lender approval or a professional recommendation.
A DSCR loan is a business-purpose rental-property loan where lender-accepted property income is central to qualification. Credit, liquidity, reserves, leverage, ownership and property requirements still apply. Explore the financing overview.
DSCR divides qualifying income by the lender-defined payment obligation. Many residential rental programs include principal, interest, taxes, insurance and applicable association dues. The accepted income, payment components and required ratio vary by lender.
If the payment obligation is $3,000 per month and the assumed target ratio is 1.20, required qualifying income is $3,600 per month. This is a hypothetical calculation, not a lender requirement or offer.
No. DSCR is one underwriting factor. Operating cash flow includes expenses and capital needs that may be outside the lender’s coverage calculation.
Some programs accept documented STR history, an approved market report or another permitted source. Others use long-term comparable rent. Evidence and adjustments vary. Review Airbnb financing.
No. Research estimates are not automatically qualifying income. Report type, permitted provider, property fit, adjustments and supporting records are lender-specific.
Potentially. Some programs permit appraiser-supported rent or other approved evidence. Confirm the available method and remaining eligibility requirements before relying on a proposed loan amount.
Executed agreements, operating history and comparable rent may be relevant. A stay-length label does not establish eligibility. Confirm the accepted method with the proposed lender. Explore mid-term rental financing.
The lender determines accepted income. Lease terms, occupancy, comparable rent and other requirements may affect the amount used. Explore long-term rental financing.
No. Screenshots are captured examples showing product features. App outputs are preliminary and require verification; they are not available offers, approvals or rate locks.
No. It saves a preference for review. Application, underwriting, approval and the applicable rate-lock process are separate steps.
On an eligible zero-point structure, there are no lender discount points or STR Advisory origination fee. The $900 processing fee, $300 commitment fee and applicable other costs remain. Review the zero-point page.
No. Compare extra upfront costs with payment savings and your expected hold period. Include other charges and prepayment terms. Compare loan structures.
Include down payment, applicable closing costs, initial work, furnishings where relevant and operating reserves. Taxes, insurance, escrows and prepaid items can also affect cash required. Avoid counting costs twice.
No. Compare closing and prepayment costs, new balance, payment and repayment term. A lower payment may reflect a longer repayment period rather than lower total cost.
Potentially. Leverage, value, seasoning, income, reserves, use of funds and other requirements vary. Compare proceeds after payoff and charges, retained equity and the new payment.
No. Eligible conventional investment financing may deserve comparison. Loan categories have different documentation, ownership, pricing and other requirements. Match the financing to the actual intended use.
Some programs permit eligible entities. Member identification, credit review, guarantees, signing authority and document requirements vary. Review multi-member financing.
Do not assume that is the correct sequence. Have your attorney review existing loan obligations and coordinate lender, title, insurance and other requirements before changing ownership. Explore an LLC refinance.
Not automatically. Review personal guarantees, recourse and other obligations in the actual documents with your attorney.
The platform includes a reviewer invitation workflow for members and professional reviewers. Confirm access and authorization. An invitation does not make someone a borrower or authorized entity signer.
Do not assume unlimited capacity. Lender exposure limits, experience, reserves, existing obligations and other portfolio requirements may apply. Explore the portfolio path.
Our team reviews the property and financing information, identifies gaps and discusses possible lender fit and next steps. If you proceed, use the appropriate secure application and document process. See the review walkthrough.
No. Any financing letter must be separately requested and reviewed. An app estimate is not a letter, application, approval, rate lock or commitment.
The third-party lender makes credit decisions and funds an approved transaction. STR Advisory arranges eligible financing and coordinates the process.
Use the appropriate secure application and document process when instructed. Do not place Social Security numbers, bank records or identity documents in a preliminary public contact request.
Start with property and ownership details, purchase or current-loan information, available income evidence and your capital plan. The lender determines the full checklist. Keep closing, repair and improvement records for your professional team.
No. Those questions remain with qualified professionals. STR Advisory organizes the property and financing scenario; your advisers evaluate legal, tax and financial-plan implications.
It is a separate service for organizing property, furnishing and improvement documentation for professional review. Explore its scope and terms after an appropriate transaction milestone. Documentation is not a guarantee of deductions, and automatic sharing is not implied. Explore Property Depreciation Pro.
Start an analysis to organize the facts. If you want our team to respond, request a review through the existing form or call.
Analyze the property. Compare the financing. Prepare the transaction.
Preliminary estimates are not financing offers, applications, approvals, rate locks or commitments. Financing depends on verification, documentation, underwriting, borrower and property eligibility, applicable licensing and state requirements. STR Advisory does not fund loans, make credit decisions or guarantee income, financing or tax outcomes.