A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the rental income of the investment property rather than personal income. No W-2s or tax returns are required. The property's monthly rent must cover the mortgage payment, typically at a ratio of 1.0 or higher.

How fast can I close a DSCR loan?

AllApprovedHere typically closes DSCR rental loans in 21 days or fewer, significantly faster than conventional lenders.

What states does AllApprovedHere lend in?

AllApprovedHere / Barrett Financial Group is licensed to lend in Arizona (AZ), California (CA), Washington (WA), Nevada (NV), and Colorado (CO).

What is the minimum DSCR ratio required?

Most DSCR loan programs require a minimum DSCR ratio of 1.0, meaning the property's rental income must at least cover the monthly mortgage payment. Programs with stronger ratios (1.25+) qualify for better rates and terms.

Do you offer construction loans for ground-up development?

Yes. AllApprovedHere offers ground-up construction loans with up to 90% LTC (Loan-to-Cost), 12-24 month terms, and interest-only draw schedules for residential and commercial development projects.

What is the 70% rule in fix and flip investing?

The 70% rule states that an investor should pay no more than 70% of the After Repair Value (ARV) minus the estimated rehab costs. For example, if the ARV is $300,000 and rehab costs are $40,000, the maximum offer is $300,000 × 0.70 − $40,000 = $170,000.

What is a good ROI for a fix and flip?

Most experienced fix and flip investors target a minimum annualized ROI of 20–30%. A deal with 15% or less annualized ROI may not justify the risk and effort.

How do I finance a fix and flip?

Fix and flip loans (also called hard money loans) typically cover 85–90% of the purchase price and up to 100% of rehab costs. AllApprovedHere offers fix and flip financing in AZ, CA, WA, NV, and CO with 12–18 month terms.

Fix & Flip

Fix & Flip ARV Estimator

Analyze your fix & flip deal in seconds. Calculate profit, ROI, annualized return, and the maximum offer price using the 70% rule — free, no signup.

90%

Up to

LTC

Purchase

100%

Rehab

12–18 mo

Terms

Purchase Price$350,000

Rehab Budget$50,000

After Repair Value (ARV)$475,000

Hold Period6 mo

Monthly Holding Costs$2,000

Total Invested$412,000

Gross Profit+$63,000

Max Offer (70% Rule)$282,500

Annualized ROI30.6%

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What Is an ARV Calculator for Fix & Flip?

An After Repair Value (ARV) calculator helps fix and flip investors quickly analyze whether a deal is worth pursuing. By entering the purchase price, rehab budget, estimated ARV, hold period, and holding costs, you instantly see your gross profit, ROI, annualized return, and the maximum offer price based on the 70% rule. AllApprovedHere finances fix and flip projects across Arizona, California, Washington, Nevada, and Colorado — with up to 90% of purchase price and 100% of rehab costs covered.