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Category Archives: Research

Little City Investments > Blog > Research
8 Apr 2026

What Types of Properties Qualify for DSCR Loans?

April 8, 2026
Jerad Kolarik
DSCR loans, financing for real estate investors, hard money lenders, hard money loan, real estate investing Featured, Investing, Research
If you’re a real estate investor looking to finance income‑producing properties without relying heavily on personal income or tax returns, D...
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1 Apr 2026

Can You Have Multiple Hard Money Loans at Once?

April 1, 2026
Jerad Kolarik
DSCR loans, financing for real estate investors, hard money lenders, hard money loan, real estate investing Featured, Research
Real estate investors often rely on hard money loans to move quickly on opportunities that traditional lenders might reject. But as your por...
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27 Mar 2026

10 Ways to Make Your Flip More Attractive to Buyers

March 27, 2026
Jerad Kolarik
DSCR loans, financing for real estate investors, fix-and-flip, hard money lenders, real estate investing Development, Featured, Research
Flipping houses can be a lucrative venture, but success goes beyond buying low and selling high. Today’s buyers are more informed and select...
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25 Mar 2026

Portfolio Loans in Texas: Flexible Financing for Multiple Rental Properties

March 25, 2026
Jerad Kolarik
credit score, DSCR loans, financing for real estate investors, hard money lenders, real estate investing Borrowing, Featured, Research
Real estate investing in Texas is booming, but managing financing across multiple properties can quickly become complicated. Instead of jugg...
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18 Mar 2026

Do Hard Money Lenders Require a Down Payment?

March 18, 2026
Jerad Kolarik
financing for real estate investors, hard money, hard money lenders, hard money loan, hard money loans, real estate investing Featured, Research
If you’re a real estate investor in Texas, you may be wondering: Do hard money lenders require a down payment? The short answer is yes—most...
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13 Mar 2026

How Long Does It Take to Get a Hard Money Loan?

March 13, 2026
Jerad Kolarik
financing for real estate investors, hard money, hard money lenders, hard money loan, real estate investing Featured, Research
When you’re investing in real estate, timing can make or break a deal. Whether you’re trying to secure a fix-and-flip property or close befo...
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4 Feb 2026

What Credit Score Do I Need to Borrow Hard Money?

February 4, 2026
Jerad Kolarik
credit score, DSCR loans, financing for real estate investors, hard money lenders, real estate investing Borrowing, Featured, Research
One of the most common questions real estate investors ask is, “What credit score do I need to borrow hard money?” Unlike traditional bank l...
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23 Jan 2026

What Is a Good DSCR?

January 23, 2026
Jerad Kolarik
DSCR loans, financing for real estate investors, hard money lenders, real estate investing Borrowing, Featured, Research
When evaluating real estate investments, one metric consistently stands out for lenders and investors alike: the Debt Service Coverage Ratio...
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16 Jan 2026

Hard Money vs Bank Loans: When Speed Beats Rate for Real Estate Deals

January 16, 2026
Jerad Kolarik
bridge loans, financing for real estate investors, hard money, hard money lenders, real estate investing Borrowing, Investing, Research
Every real estate investor faces the same dilemma: take the lower rate from a bank and risk losing the deal, or pay more for hard money and...
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6 Jan 2026
question, contact us

Interest-only vs Amortized Loans. Which is Better?

January 6, 2026
Jerad Kolarik
bridge loans, financing for real estate investors, hard money, hard money lenders, real estate investing Borrowing, Investing, Research
When it comes to financing real estate, understanding your loan options is critical. The structure of your loan can be more important than y...
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