DSCR vs Hard Money Explained | Which One Should Investors REALLY Use?

If you want to stop guessing between DSCR and Hard Money, this video gives you a simple breakdown of when to use each one and why it matters. I’ll walk you through how each loan works, the pros and cons, and the real impact they have on cash flow, speed, and long-term investing success. By the end, you’ll know exactly which financing strategy fits your next deal and how to avoid the expensive mistakes most investors make.

You’ll also learn why DSCR loans excel for long-term rentals and passive income, while Hard Money shines for fast acquisitions, BRRRR, and fix-and-flip projects. Whether you're scaling your portfolio, analyzing a new deal, or just trying to understand DSCR vs Hard Money once and for all, this video breaks it down in a clear, practical way to help you invest with confidence.

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😀 Info provided is opinion and for entertainment purposes.
💰 Links shared may be affiliate links to products or services. We may receive a commission, discount or benefit for purchases made through these links.

🔎 Sources
Niche, Wikipedia, TravelTime, Census, Real Estate Commission
😀 Info provided is opinion and for entertainment purposes.
💰 Links shared may be affiliate links to products or services. We may receive a commission, discount or benefit for purchases made through these links.

0:36 – Welcome to The Mortgage Café
1:03 – What a DSCR Loan Actually Is
1:18 – Who DSCR Loans Are Perfect For
1:35 – What Hard Money Really Is
1:50 – When Hard Money Makes Sense
2:03 – Speed, Flexibility, & ARV Focus
2:06 – DSCR vs Hard Money (Side-by-Side Comparison)
2:34 – When You SHOULD Use DSCR
3:14 – When You SHOULD Use Hard Money
3:33 – Cost Breakdown: DSCR vs Hard Money
4:01 – How Top Investors Scale (Hard Money → DSCR Refi)
4:40 – The Truth: They’re Not Enemies, They’re Partners
4:57 – Get Help Choosing the Right Loan

DSCR vs Hard Money Explained | Which One Should Investors REALLY Use?
#DSCRLoans #MortageCafeWithAngelica #AngelicaObregon