ACFAmerican CashFlowInvestment Club
Real Estate InvestingMembers Only

Financing Investment Properties

Conventional, DSCR, portfolio, hard money and seller financing — and when to use each.

Marcus WhitfieldMarcus WhitfieldPrincipal, Whitfield Residential PartnersIntermediate 14 lessons 2h 7m 4.5 (6)
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Members-only course. This course is included with club membership.

About this course

Financing determines risk as much as return. Compare loan products, understand how lenders underwrite investors, structure down payments and reserves, and learn how leverage amplifies both gains and losses.

What you will learn

  • Compare conventional, DSCR, portfolio and hard money loans
  • Understand lender underwriting and reserve requirements
  • Model leverage scenarios and break-even occupancy
  • Negotiate seller financing terms

Curriculum

8 modules · 14 lessons · 2h 7m

  1. Module 1

    Introduction

    2 lessons

  2. Module 2

    Core Principles

    2 lessons
    • The Four Sources of Real Estate ReturnVideo · 11 min
    • Net Operating Income and Cap RateWritten lesson · 7 min

  3. Module 3

    Deal Structure

    2 lessons
    • Choosing a Financing StructureVideo · 11 min
    • Down Payment, Reserves and LeverageWritten lesson · 7 min

  4. Module 4

    Financial Analysis

    2 lessons
    • Building a Pro FormaVideo · 11 min
    • Estimating Expenses RealisticallyWritten lesson · 7 min

  5. Module 5

    Risk Management

    2 lessons
    • Identifying Property-Level RisksVideo · 11 min
    • Market and Liquidity RiskWritten lesson · 7 min

  6. Module 6

    Real-World Examples

    1 lessons
    • Example: A Single-Family Rental UnderwrittenVideo · 11 min

  7. Module 7

    Case Study

    1 lessons
    • Case Study: The Midwest DuplexCase study · 12 min

  8. Module 8

    Final Assessment

    2 lessons
    • Final AssessmentQuiz · 5 min
    • Applied AssignmentAssignment · 9 min

Your instructor

Marcus Whitfield

Marcus Whitfield

Principal, Whitfield Residential Partners

Marcus has acquired, renovated and managed more than 240 residential units over eighteen years. He teaches the operating discipline behind durable rental portfolios and profitable renovations.

Rental PropertyFix & FlipWholesaling
All courses by Marcus

Member reviews

  • “Great instructor. I rebuilt my underwriting model after the financial analysis module.”

    GIGloria Irving · Sep 12, 2026

  • “Clear, practical and immediately useful. The worked examples made the numbers click.”

    FGFrances Garrison · Aug 14, 2026

  • “Exactly the level of depth I was looking for. The downloadable tools are excellent.”

    ZAZoe Abbott · May 5, 2026

  • “Solid course. I would have liked one more real-world example.”

    LPLogan Patel · Nov 6, 2025

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