Investor Guidance

Looking for the forms? Everything you need to prepare and return a submission is on the Loan Forms page. Running numbers on a specific property? Use the Deal Calculator or the DSCR Calculator.

How These Deals Get Underwritten

The financing is only one part of a successful investment. These resources explain how ACP Real Estate Lending evaluates value, leverage, borrower contribution, rental cash flow, and project profitability so investors can make better decisions before committing capital.

How is preliminary ARV evaluated?

A credible after-repair value should be supported by comparable properties that compete with the subject in location, size, age, condition, design, and market appeal. Nearby sales are not automatically valid comps. Major roads, subdivision boundaries, school zones, new construction, unusual lots, and significant differences in size or architecture can materially affect value. Active and pending listings also matter because they show the competition the renovated property may face.

How does the 70% all-in structure work?

Under a 70% all-in program, the maximum total loan is generally calculated as 70% of the supported ARV. Renovation funds, lender fees, and applicable closing costs are allocated first; the remaining amount is available toward the purchase. A deal can potentially produce little or no cash required at closing only when the purchase price and all other funded costs fit within the maximum loan. Liquidity and reserve requirements still apply.

How does a DSCR rental loan qualify?

Debt-service-coverage-ratio financing focuses primarily on whether the property’s qualifying rent supports the proposed housing expense. Taxes, insurance, association dues, interest rate, loan amount, and amortization all affect DSCR. A property with attractive gross rent can still fail to qualify if expenses or the proposed debt payment are too high.

What information produces a useful quote?

For purchase or renovation financing, send the property address, contract or purchase price, renovation budget, estimated ARV, intended exit strategy, estimated credit score, experience, liquidity, and target closing date. For rental financing, also include current or projected rent, taxes, insurance, association dues, and requested loan amount. Complete information produces a more reliable preliminary structure.

Related guides

• Choosing Your Strategy and Your Market — The long guide: flip or rent, and which Texas markets support each.
• Underwriting the Property and the Plan — What underwriting actually looks at once your file is in.
• Why Are More Homes Sitting on the Market? — Record inventory, longer days on market, and what it means for your offer.