LAMA — Leveraged Asset Moneyflow Analyzer
LAMA analyzes rental deals in seconds—modeling leverage, cash flow, cap rate, and long‑term wealth growth so investors can compare properties and lock in passive income confidently.
LAMA Cashflow Analysis
Turn rent rolls into real returns. Plug in price, rents, expenses, and leverage—LAMA shows true cash flow, DSCR, cap rate, equity growth, and exit scenarios in seconds.
LAMA Help You!
When you work with us, we don’t just find properties—we engineer the deal. We’ll show you every way to fund it: from cash and HELOCs to DSCR/non‑QM loans, hard or private money, seller financing, and creative structures like subject‑to or wraps. We’ll map out how to tap equity in your home or portfolio, compare leverage scenarios, stress‑test cash flow, and package everything for lenders or partners. Using LPSEstimate for value and LAMA for cash‑flow and DSCR modeling, we help you choose the structure that maximizes returns while protecting liquidity and minimizing risk—so you can close confidently and start collecting passive income faster.
1. Pure Cash & Liquid Funds
Personal savings / business reserves – Fast close, strongest negotiating power.
Liquidity from other assets – Sell stocks/crypto, or borrow against them (see below).
Credit check? Often minimal or none if you’re not borrowing.
2. Tapping Existing Assets
Home Equity Line of Credit (HELOC): Revolving line secured by your primary/other property equity. Interest-only during draw period.
Cash‑out Refinance: Replace your current mortgage with a bigger one; take the difference in cash.
Securities‑Backed Line of Credit (SBLOC): Borrow against a brokerage portfolio without selling investments.
Retirement Accounts:
Self‑Directed IRA/401(k): Buy property inside the account (strict IRS rules—no self-dealing).
401(k) Loan: Borrow from your plan (typically up to $50k).
Credit check? Asset-backed lenders focus more on collateral value than FICO.
3. Traditional & “Lite Doc” Financing
Conventional Investment Mortgage: 20–25% down, full income & credit underwriting.
Non-QM / DSCR Loans: Lenders qualify the property by Debt-Service Coverage Ratio (rents vs. payment), not your W‑2. Credit score matters but income docs are light.
Portfolio Loans (local banks/credit unions): Flexible terms, they keep loans on their books.
Commercial Mortgages (5+ units/mixed-use): Underwritten on NOI and cap rate. Personal guarantees common, but the asset’s performance drives approval.
4. Private & Hard Money
Hard Money Lenders: Short-term, high-interest loans based on asset value/ARV (after-repair value). Fast approvals, spotty credit OK.
Private Money (Friends/Family/Angel Investors): You negotiate rate/terms. Put it in writing with promissory notes and recorded liens.
Credit check? Often secondary or skipped—asset, LTV, and exit plan are key.
5. Creative/Seller-Based Structures
Seller Financing (Owner Carry): Seller acts as the bank. Down payment + note/mortgage. Great when sellers want income and low taxes.
Subject-To (Existing Financing): You take title, leave seller’s loan in place, you make payments. Complex; needs legal guidance and due-on-sale awareness.
Wraparound Mortgages: New note “wraps” seller’s existing loan; you pay seller, seller pays bank.
Lease-Option / Rent-to-Own: Control now, buy later; option fee + rent credits.
Credit check? Seller decides; many focus on down payment and your ability to perform.
6. Group & Passive Vehicles
Syndications (LP/GP structures): You invest passively; sponsor does the work.
REITs & Real Estate Funds: Public or private; super passive, instant diversification.
Crowdfunding Platforms: Pool money for flips/apartments; vet fees and track record.
DSTs / TICs (for 1031 Exchanges): Passive ownership slices of institutional properties.
7. Sweat Equity & Hybrid Plays
House Hacking: Live in one unit/room, rent the rest; FHA/VA options possible.
BRRRR Strategy: Buy, Rehab, Rent, Refinance, Repeat—recycles capital.
Partnerships/Joint Ventures: Trade skills/time for equity instead of (or plus) cash.
When Credit Isn’t the Gatekeeper
Look for asset-based or deal-based lending:
Hard money & private money
DSCR/non‑QM loans (property pays the debt)
Seller financing / subject-to / wraps
HELOCs/SBLOCs if the collateral is strong
Your down payment, equity, and the property’s cash flow matter more than your pay stubs.
Watch the Risks
Higher rates & fees on no‑doc/asset-based loans.
Short terms: plan your refinance or exit.
Legal complexity on creative deals—use an attorney.
Overleverage kills cash flow; run scenarios (vacancy, rate hikes, repair shocks).