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Expert insights and resources to help you fund your next project with confidence.

Deferred Payments vs. Interest Reserves: The Good, the Bad, the Ugly.

Connor Mays, Director of Residential Transition Loans (RTL)
by Connor Mays, Director of Residential Transition Loans (RTL)
on August 10, 2026

Listen to This Article (~7 minutes) Quick Summary Maximize Liquidity: True deferred payments keep capital liquid by pushing 100% of debt service to project exit. Avoid Hidden Costs: Deferral ...

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Recent Blogs

July 23, 2026 • 1 min read
Groundfloor Lending named by CNBC and Statista as one of the World's Top Fintech Companies for Alternative Lending solutions.
Groundfloor Lending Recognized by CNBC and Statista as One of the World's Top Fintech Companies
By Groundfloor Lending Team
June 10, 2026 • 4 min read
A neighborhood of new construction houses being built from the ground up.
How to Close Your Next Deal with $0 Out-of-Pocket Origination Fees
By Andy Levison, Associate Director of Retail Originations
June 1, 2026 • 3 min read
Luxury, lakeside home in Nashville, TN.
Strategic Considerations for Your RTL to DSCR Transition
By Andy Levison, Associate Director of Retail Originations
April 16, 2026 • 3 min read
Housing community in Texas
Scaling Past Limits and Risk at IMN’s Single Family & BTR Forum
By Kristen Roberson, Business Development Manager
April 9, 2026 • 3 min read
Small apartment buildings.
The Efficiency Play: Consolidating SFR into Multifamily Assets
By Ernie Blockburger, Senior Director of DSCR & Multifamily Lending
April 7, 2026 • 2 min read
Several small apartment buildings.
The Equity Recapture Engine: Strategic Bridge-to-Perm Exits for 5–9 Unit Deals
By Ernie Blockburger, Senior Director of DSCR & Multifamily Lending
April 2, 2026 • 2 min read
Multifamily property
Sizing Up: 5–9 Unit DSCR Loan Program is Now Live
By Ernie Blockburger, Senior Director of DSCR & Multifamily Lending
February 27, 2026 • 3 min read
Easton, CT
Deal Spotlight: How a Vertical Expansion Transformed this Easton, CT Property
By Brett Foraker, Sales Assistant
February 12, 2026 • 2 min read
Maximize Your Build: Enhanced New Construction Terms for 2026
By Jill Ross, Senior Marketing Manager Groundfloor Lending
January 27, 2026 • 2 min read
Scaling Success: How Atlanta’s Ed Jones Scales Flips with Groundfloor
By Jill Ross, Senior Marketing Manager Groundfloor Lending
January 5, 2026 • 4 min read
Building the Vision: How One Builder Turned a Blueprint into a $1.5M Reality
By Brett Foraker, Sales Assistant
December 15, 2025 • 4 min read
Oak Ridge, GA
Deal Spotlight: Turning Potential into Profit with Groundfloor Lending
By Brett Foraker, Sales Assistant
December 9, 2025 • 3 min read
True Deferred Payments Explained: Keep Your Cash Working, Grow Faster
By Jill Ross, Senior Marketing Manager Groundfloor Lending
December 1, 2025 • 3 min read
Atlanta, GA
Deal Spotlight: Powering New Construction in Atlanta, GA
By Jill Ross, Senior Marketing Manager Groundfloor Lending
September 25, 2025 • 5 min read
A line-art illustration of a modern house on the right, balanced against a financial scale on the left. The background is split between a blue financial data theme and an orange architectural theme, representing the strategic balance between favorable rates and a successful construction project.
Best New Construction Loan Rates 2026 & What Really Wins
By Cory Piette, Marketing Director at Groundfloor Lending
September 24, 2025 • 5 min read
An illustration in orange and blue, depicting real estate investors analyzing a house on a platform with market analytics and financial charts. Hands hold a calculator and measuring tape, symbolizing the precise ARV calculation and market research needed for real estate investment decisions.
How to Calculate ARV in Real Estate
By Cory Piette, Marketing Director at Groundfloor Lending
September 18, 2025 • 5 min read
A chart, in orange and blue, shows bar data representing various financial metrics and a line graph representing increasing property value. This image visually represents the refinancing process and the financial benefits of converting a fix-and-flip property into a long-term investment.
How to Refinance a Fix and Flip Property After Renovation
By Cory Piette, Marketing Director at Groundfloor Lending
September 16, 2025 • 5 min read
Rental income concept with figurines, coins, and a “Rent” sign in front of house models, representing how DSCR loans and traditional mortgages evaluate investment property financing.
DSCR Loan vs. Traditional Mortgage: Which Is Right for You?
By Cory Piette, Marketing Director at Groundfloor Lending
September 11, 2025 • 5 min read
Hands holding up an orange strip with
Top Hard Money Loan Mistakes You Need to Avoid
By Cory Piette, Marketing Director at Groundfloor Lending
September 9, 2025 • 4 min read
An orange, level, blue gloves, and house blueprints represent a construction loan draw schedule.
Understanding Draw Schedules in New Construction Loans
By Cory Piette, Marketing Director at Groundfloor Lending
August 13, 2025 • 5 min read
Fix and flip loans for beginners represented by a contractor holding a blue level atop an orange model home.
Fix and Flip Loans for Beginners: Your First Project Guide
By Cory Piette, Marketing Director at Groundfloor Lending
August 6, 2025 • 4 min read
A calculator, orange hard hat, and house plans represent a bridge loan calculator.
Bridge Loan Calculator: Estimate Your Financing Costs
By Cory Piette, Marketing Director at Groundfloor Lending
July 30, 2025 • 5 min read
Construction loan calculator setup with floor plan, calculator, and tools used for estimating construction loan amount and project costs
Construction Loan Calculator: Estimate Your Financing Costs
By Cory Piette, Marketing Director at Groundfloor Lending
July 23, 2025 • 4 min read
DSCR loan calculator next to a real estate contract, keys, and model house
DSCR Loan Calculator: Size Your Rental Property Financing
By Cory Piette, Marketing Director at Groundfloor Lending
July 16, 2025 • 4 min read
Fix and flip loan calculator setup with a scale model house, calculator, and laptop showing renovation plans on a desk.
Fix and Flip Loan Calculator: Rehab Financing Costs in 2025
By Cory Piette, Marketing Director at Groundfloor Lending
July 9, 2025 • 5 min read
Framed chalkboard with checklist layout, symbolizing steps in a hard money loan checklist for real estate investors.
Your 2025 Hard Money Loan Checklist
By Cory Piette, Marketing Director at Groundfloor Lending
July 2, 2025 • 5 min read
Modern short term rental bedroom with orange accent wall and natural light.
Short Term Rental Investment Loans: Fund Your Airbnb
By Cory Piette, Marketing Director at Groundfloor Lending
June 18, 2025 • 10 min read
Visual representation of real estate investment loans with stacked wooden houses, coins, keys, and game pieces symbolizing financing and property deals.
Real Estate Investment Loans: Your Q3 2025 Funding Playbook
By Cory Piette, Marketing Director at Groundfloor Lending
June 12, 2025 • 7 min read
Circle of colorful houses in Groundfloor Lending brand colors, symbolizing the flip houses process in real estate investing
How To Flip Houses for Profit
By Cory Piette, Marketing Director at Groundfloor Lending
June 10, 2025 • 7 min read
Signing hard money loan agreement with lender and cash on desk.
Hard Money Loans Explained: Real Estate Investor Options
By Cory Piette, Marketing Director at Groundfloor Lending
June 5, 2025 • 7 min read
Bridge Loans Uncovered: Fast-Track Your Real Estate Deals
By Cory Piette, Marketing Director at Groundfloor Lending
June 3, 2025 • 6 min read
Construction Financing 101 for Real Estate Investors
By Cory Piette, Marketing Director at Groundfloor Lending
May 29, 2025 • 4 min read
Simple hard money loan definition on letterboard with bright blue and orange background.
Hard Money Loan: Simple Definition & Real Estate Use
By Cory Piette, Marketing Director at Groundfloor Lending
May 27, 2025 • 6 min read
Illustration of a rising arrow and house symbolizing how to finance a property flip for increased returns.
How to Finance a Property Flip: 7 Steps to Maximize ROI
By Cory Piette, Marketing Director at Groundfloor Lending
May 22, 2025 • 4 min read
Conceptual graphic for DSCR loan rates showing a blue umbrella shielding three orange money bags each labeled with a white percentage sign.
DSCR Loan Rates: Insights for Real Estate Investors in 2025
By Cory Piette, Marketing Director at Groundfloor Lending
May 20, 2025 • 5 min read
Conceptual diagram showing multiple home renovation loan options branching from a central decision point.
Home Renovation Loan Options for Real Estate Investors
By Cory Piette, Marketing Director at Groundfloor Lending
May 15, 2025 • 6 min read
Finding the Right Construction Lenders
By Cory Piette, Marketing Director at Groundfloor Lending
May 13, 2025 • 6 min read
Fix and Flip Financing Trends for 2025
By Cory Piette, Marketing Director at Groundfloor Lending
May 8, 2025 • 7 min read
Rental property loan rates illustrated by a model home inside a box labeled 'Landlord.'
Rental Property Loan Rates for Investors in 2025
By Cory Piette, Marketing Director at Groundfloor Lending
May 6, 2025 • 5 min read
Loan-to-cost meaning represented by a scale weighing coins and a house.
Loan-to-Cost Meaning: Essentials for Investors
By Cory Piette, Marketing Director at Groundfloor Lending
May 1, 2025 • 3 min read
Gap financing concept illustrated with cash hidden behind cracked bricks, symbolizing funding shortfalls in real estate projects.
Gap Financing for Real Estate: Short-Term Loan Guide
By Cory Piette, Marketing Director at Groundfloor Lending
April 29, 2025 • 5 min read
Illustration of a furnished house placed inside an open suitcase, symbolizing mid-term rentals and temporary housing solutions.
Mid-Term Rentals: A High-ROI Strategy for Investors
By Cory Piette, Marketing Director at Groundfloor Lending
April 24, 2025 • 5 min read
Private money lenders shaking hands in front of a model home.
Private Money Lenders: Flexible Financing for Investors
By Cory Piette, Marketing Director at Groundfloor Lending
April 22, 2025 • 4 min read
A rehab loan is represented by a before-and-after picture of a house.
What Is a Rehab Loan? The Hard Money Investor's Guide
By Cory Piette, Marketing Director at Groundfloor Lending
April 17, 2025 • 5 min read
Return on rental properties illustrated by coins on steps made from blocks.
Maximizing Return on Rental Properties
By Cory Piette, Marketing Director at Groundfloor Lending
April 15, 2025 • 4 min read
Bridge lending solution represented by a model house and a calculator.
Bridge Lending Solutions for Real Estate Investors
By Cory Piette, Marketing Director at Groundfloor Lending
April 10, 2025 • 5 min read
A man in a suit holding a model home is learning how to become a real estate investor.
How to Become a Real Estate Investor
By Cory Piette, Marketing Director at Groundfloor Lending
April 8, 2025 • 5 min read
DSCR loan pros and cons are represented by two magnifying glasses, one with an
DSCR Loan Pros and Cons: What You Need to Know
By Cory Piette, Marketing Director at Groundfloor Lending
April 3, 2025 • 6 min read
A construction loan is represented by a model home and money bag labeled
How Do Construction Loans Work?
By Cory Piette, Marketing Director at Groundfloor Lending
April 1, 2025 • 4 min read
A hard money bridge loan represented by a business person walking across a bridge.
The Ins and Outs of Hard Money Bridge Loans
By Cory Piette, Marketing Director at Groundfloor Lending
March 27, 2025 • 5 min read
DSCR loan requirements represented by a checklist.
DSCR Loan Requirements: 10 Factors to Consider
By Cory Piette, Marketing Director at Groundfloor Lending
March 25, 2025 • 5 min read
A low-down-payment construction loan represented by a scale balancing a model house and coins.
Low-Down-Payment Construction Loans: What You Should Know
By Cory Piette, Marketing Director at Groundfloor Lending
March 18, 2025 • 6 min read
After repair value (ARV) represented by a model home and repair tools.
After Repair Value (ARV) in 2025: Why It Matters
By Cory Piette, Marketing Director at Groundfloor Lending
March 13, 2025 • 3 min read
Bridge loan rates represented by a wooden bridge leading to a house.
Best Bridge Loan Rates: 7 Steps to Finding the Right Deal
By Cory Piette, Marketing Director at Groundfloor Lending
March 12, 2025 • 5 min read
A new home construction loan represented by an unfinished model house surrounded by wooden sticks.
Top 10 Challenges When Securing New Home Construction Loans
By Cory Piette, Marketing Director at Groundfloor Lending
March 11, 2025 • 4 min read
efore-and-after view of a home renovation, illustrating property upgrades often funded by fix and flip loans.
Fix and Flip Loans: A 2025 Guide
By Cory Piette, Marketing Director at Groundfloor Lending
March 6, 2025 • 5 min read
A DSCR loan represented by an umbrella protecting a piggy bank from the rain.
DSCR Loans Explained: A Real Estate Investor’s Guide
By Cory Piette, Marketing Director at Groundfloor Lending
March 5, 2025 • 6 min read
Miniature house beside wooden blocks spelling 'loan,' representing private money loans for real estate investors.
Private Money Loans: A 2025 Guide
By Cory Piette, Marketing Director at Groundfloor Lending
March 4, 2025 • 5 min read
Architectural plans and drafting tools on a wooden table, symbolizing capital improvement planning and real estate upgrades
Capital Improvement: Your 10-Step Guide to Success
By Cory Piette, Marketing Director at Groundfloor Lending
March 2, 2025 • 6 min read
Stacks of coins and percentage symbols representing financial metrics used in cap rate calculation for real estate investments.
Demystifying the Cap Rate Calculation
By Cory Piette, Marketing Director at Groundfloor Lending
March 1, 2025 • 6 min read
Private Money Lending: How It Works for Real Estate Investors
By Cory Piette, Marketing Director at Groundfloor Lending
February 28, 2025 • 5 min read
Professional holding a model house over loan documents, representing hard money loan lenders in real estate investing.
Find the Best Hard Money Loan Lenders: 7 Steps
By Cory Piette, Marketing Director at Groundfloor Lending