Direct lender for residential real estate investors. Providing financing for fix & flips, rental portfolios and ground-up construction.red-lending.comJoined September 2026
DSCR: does the property earn enough to carry the loan?
Income ÷ debt payments. At 1.00x, income just covers the debt. Anything above is cushion.
How it works on a rental loan, and where 1.05x, 1.10x and 1.25x show up
A common way a flip's numbers go wrong: comps that don't actually compare.
If your plan is a full renovation, your comps should be renovated homes too. A sale across a major road may not count.
Your renovation budget feeds two numbers on every Fix & Flip scenario: total cost and after-repair value.
A budget the desk can read in one pass has a scope of work, real bids, clear stages and a contingency line.
Fix & Flip at RED: up to 90% LTC and 75% ARV-LTV.
Two different limits, two different questions: how much of your cost, and how much of the finished value.
A loan has to fit within both.
DSCR loans in 30 seconds:
The loan is qualified on the property's rental income, not your W-2s or tax returns.
Lender asks: does the rent cover the payment?
That's why buy-and-hold investors use them to scale.
Want to see if a rental works? Send us the address and rent.
One lender. Six ways to fund your next deal. 🏡
REDLending is a direct lender for residential real estate investors. Whether you're flipping, building, or holding for the long term, we've got a program built for it.
RED Lending is now on X.
We're a direct lender for residential real estate investors: fix & flip, DSCR rentals, bridge, ground-up construction and more, in 37 states + DC.
Follow along for financing tips, deal breakdowns and loan program updates. What's your next deal?
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