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STR Advisory

Rental-property portfolio investors

Compare more properties.
Keep your capital plan in view.

Save rental opportunities and compare their income and financing assumptions. Evaluate a new purchase alongside existing-property refinance scenarios before committing more cash.

Free registration required to view estimated rates and save your research. No sales call required. Contact our team when you choose. Estimates are subject to lender review.

Choose the next move—not just the next loan.

Compare purchase opportunities

Review price, income evidence, expenses, required capital and financing under consistent assumptions.

Review an existing loan

Compare rate-and-term refinance possibilities with the current balance, payment, remaining term and exit costs.

Evaluate available equity

Estimate possible cash-out proceeds after payoff and charges. Review retained equity, the higher payment and operating reserves.

Keep several opportunities in one workspace.

Save properties, review their available scores and revisit the income and financing assumptions. Use the same expense categories, reserve approach and rental model when comparing alternatives.

Rank opportunities by what matters to your plan: cash needed, income evidence, downside resilience, financing flexibility and operating demands.

A property score is a decision-support summary. It is not a recommendation to buy, a portfolio risk rating or lender approval.

Compare the capital left after closing.

Hypothetical opportunity A

$125,000 down payment + $15,000 closing costs + $20,000 initial work = $160,000 before operating reserves.

Hypothetical opportunity B

$100,000 down payment + $15,000 closing costs + $40,000 initial work = $155,000 before operating reserves.

A $25,000 smaller down payment does not create a $25,000 difference in these total cash requirements. Compare the entire acquisition plan, then add appropriate reserves and test income and expenses.

Illustrations only—not platform quotes, verified properties or lender requirements. Lower cash required does not establish a better investment.

Review existing-property equity before relying on it.

For each candidate property, organize estimated value, current debt, loan terms, income evidence and operating performance.

Compare potential net proceeds, retained equity, payment changes and exit costs. Appraisal, leverage, seasoning, reserves and lender requirements determine what may be available.

Our team can review the scenarios you prepare. This does not imply an automatic portfolio-wide equity scan or a guaranteed cash-out amount.

Explore a refinance and cash-out review

Protect the operating cash plan.

Cash out creates additional debt against the existing property. Test whether it can support the new payment during lower-income periods.

Keep the next acquisition’s cash needs and the existing property’s reserves separate. The same cash cannot fund both commitments simultaneously.

Compare financing requirements as the portfolio grows.

Property income

Many DSCR programs center qualification on lender-accepted property income. Actual history, leases, approved projections and adjustments vary by program.

Borrower and portfolio review

Credit, liquidity, reserves, experience and existing obligations still matter. Lender exposure limits and portfolio requirements may apply.

Ownership structure

Eligible entity borrowing varies by lender. Confirm title, guarantor and entity requirements, and have your attorney and CPA review the ownership plan.

Conventional investment financing may also deserve comparison where eligible. Avoid assuming one loan category is always the best fit or offers unlimited borrowing.

Understand rental-property financing

Review four tradeoffs before adding another loan.

Cash retained versus payment

Additional down payment can reduce debt under comparable terms but leave less available for operations or the next purchase.

Points versus hold period

Compare upfront charges with expected payment savings and the time you intend to keep the loan.

Rate versus exit flexibility

Include the actual prepayment provisions, expected sale or refinance timeline and possible exit charges.

Growth versus operating load

Review management capacity, maintenance and exposure to the same market or demand source. Financing eligibility alone does not establish portfolio fit.

Compare loan structures

Bring the relevant reviewers into the property decision.

Use reviewer invitations for an LLC member, spouse, agent or professional adviser. Keep questions specific to the property, capital plan, financing and next steps.

Your attorney can address ownership and contracts. Your CPA can address tax treatment. Your financial adviser can evaluate liquidity and portfolio fit.

Multi-member LLC financing

Prepare a reviewable transaction package.

  • Property address and intended rental use
  • Income evidence and operating assumptions
  • Purchase price or value and existing debt
  • Available capital and reserve plan
  • Preferred financing option and timeline
  • Ownership details and unresolved questions

Move from saved opportunity to financing review.

1. Analyze and save

Create or revisit a property record and review the income and financing assumptions.

2. Compare your choices

Review other opportunities, cash needs and eligible preliminary structures. Save the option you want reviewed.

3. Request human review

Our team checks possible lender fit and information gaps. Proceed through the secure application process when ready.

Request a financing review

Portfolio financing questions

Can I keep more than one property in the workspace?

Yes. The workspace supports saved purchase and refinance properties so you can revisit opportunities and assumptions.

Do DSCR programs have unlimited portfolio capacity?

Do not assume that. Lenders may apply exposure limits, experience requirements and other borrower or portfolio conditions.

Can I use cash out for another purchase?

Potentially, subject to lender and use-of-funds requirements. Review net proceeds, additional debt, timing and reserves before relying on those funds.

Does a refinance always improve cash flow?

No. Include costs, the new balance and repayment term. A lower payment can reflect a longer loan rather than lower total cost.

Does saving an option submit an application?

No. It saves a preliminary preference. An application, approval and rate lock are separate steps.

More financing answers

Make your next move with the numbers together.

Analyze the property. Compare the financing. Prepare the transaction.

Preliminary estimates are not applications, approvals, rate locks or commitments. STR Advisory arranges eligible business-purpose financing through third-party lenders and does not fund loans, make credit decisions or guarantee income. Final terms depend on verification, underwriting, documentation, borrower and property eligibility, applicable licensing and state requirements. Portfolio suitability and legal or tax decisions require appropriate professional review.

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