The 2026 Playbooks
The numbers we lend by. Published.
Most lenders keep their matrices in a drawer and make you call for everything. We publish ours: rate tiers, leverage ceilings, qualification rules, and the deal math behind each program — the same numbers our desk underwrites with. Every playbook is free to read online, and each ships as a branded PDF edition you can keep in your deal files.
2026 DSCR Loan Playbook
Rate and LTV matrices by credit tier, qualification thresholds, no-ratio programs, and portfolio scaling.
- Rate & LTV matrix by FICO tier
- Sub-1.0 and no-ratio program rules
- STR income qualification
- Entity structuring for scale
2026 Fix & Flip Playbook
Leverage tiers by experience, draw mechanics, ARV math, and the profit model behind every flip we fund.
- Leverage by track record
- Draw schedule mechanics
- ARV and profit math
- Exit planning: sell vs. BRRRR
2026 STR Investor Playbook
How lenders actually underwrite Airbnb and VRBO income — AirDNA, actuals, and the market rules that move leverage.
- STR income normalization
- AirDNA vs. actuals
- Market and regulation screens
- DSCR math on seasonal revenue
2026 1031 Exchange Playbook
Rules, timelines, and financing structures that keep a deferred gain deferred — including the bridge that saves late exchanges.
- 45/180-day timeline mechanics
- Identification rules
- Bridge-to-DSCR exchange financing
- Reverse exchange structures
2026 Multifamily Financing Playbook
NOI, DSCR, and deal structures for 5+ unit assets — from rent-roll underwriting to bridge and permanent executions.
- NOI and expense-ratio underwriting
- DSCR thresholds by unit count
- Bridge vs. permanent structures
- Value-add financing paths
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Reading is step one. Pricing is step two.
Every playbook ends the same way: run your actual deal through the desk and see where you stand.