r/investorLoans

I feel like a lot of investors obsess over getting the absolute lowest rate possible while ignoring how leverage affects their ability to scale

Sometimes keeping more liquidity and taking slightly worse financing ends up creating way more opportunity long term than forcing the “perfect” rate on every deal

Especially with DSCR stuff where structure can matter just as much as pricing

Curious how other investors balance rate vs leverage once they get past their first few properties

I feel like two people can buy almost the exact same property and end up in completely different positions a year later just because of how the financing was set up

Rate, reserves, term length, cash flow, whether they burned too much cash getting in, all of it ends up affecting what they can do next

A lot of the time the deal itself isn’t even the thing that slows people down

Wonder how other investors think about that side of it once they start scaling a bit more