Catherine BellEmpowering Women to Create Financial Freedom Through Passive Income, Real Estate, and Social Impact

LandShark: Crush Real Estate Deals with This Tool! #shorts

12 Feb 2026 · 1 min

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1:06

In this short instructional clip, the speaker walks through a hypothetical real‑estate acquisition to illustrate how to structure financing using a creative‑funded, interest‑only (IO) loan and later refinance it with a debt‑service‑coverage‑ratio (DSCR) loan. The example assumes an after‑repair value (ARV) of $6.7 million, an acquisition cost of $2.1 million, and a 10 % down payment. A 12 % interest‑only loan is used for two years, resulting in roughly $600 k total cash outlay (about $200 k upfront plus $200 k per year). After the property is stabilized, the loan is refinanced into a 30‑year, 7 % fixed‑rate DSCR loan, which pays off the interest‑only loan. The speaker frames this as a repeatable “road‑track” financing strategy for real‑estate investors.

Chapters

What happened in the deal room today that this is our target. We got to hit that 70%, right? ARV. If this is our, if our ARV of 10 million is $6.7 million, right? And our acquisition cost is 2.1. But let's just pretend we get this thing on Creative. Say we put 10% down and we do a, we do a 12% IO interest only. Like what is our total cash out after two years? Not a lot, right? We're looking at 200k upfront and looking at maybe, maybe 200k a year and we're doing it for two years. So just call it total cash out. $600,000 on a $6.7 million deal, right? Because to get this loan right here to do all the work, they're not going to require we pay this off, we're going to do this when we get it to here, that's when we do a DSCR and we crank it out to a 30 year term with 7% rate. And that's how that gets paid. So that's, that's one RA road track you can run down with this choo choo train right there.