Why Standard Lenders Reject Your Fixer Upper Strategy

August 5, 2026

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David Ghazaryan

Owner / Broker / Banker

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TL;DR

A DSCR renovation loan is a specialized financial product for real estate investors. It allows you to finance both the purchase and the necessary renovations of a vacant investment property using a single, streamlined loan.

Future-Based Qualification: The loan is approved based on the property's projected rental income after repairs are completed, rather than your personal debt-to-income ratio.
As-Repaired Value (ARV): Lenders use an appraisal of the property's future market value to determine the maximum loan amount.
Managed Renovation Funds: The budget for renovations is held in escrow and released in stages through a draw schedule as work is verified by an inspector.
Cost Efficiency: Avoid high-cost bridge loans or double-closing fees by bundling your financing into one long-term investment vehicle.

Read the full blog article here: https://www.iqratemortgages.com/blog/dscr-renovation-loans-for-fixer-uppers-in-reno-nevada

Video Transcript:

Most lenders see an empty house. They cannot approve it. I, David Ghazaryan, engineer loans based on the home's future. The loan is based on the home’s future rental income. One loan funds the property purchase and all the repairs. This saves you from high-cost loans and a second closing. The full strategy is detailed. See the links in description.

Read Blog Here: https://www.iqratemortgages.com/blog/dscr-renovation-loans-for-fixer-uppers-in-reno-nevada

David Ghazaryan

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