Abstract: The present invention relates generally to loans and methods of making loans to real property owners that may not qualify for loans through conventional means for countless reasons, including, but not limited to, lack of adequate income, poor credit, or lack of property management experience. In this present invention, the loan qualifications are based on various parameters, including, but not limited to, the value of the property, its loan to value ratio, and the projected income that can be derived from renting out the real property to meet its debt burden, its operating expenses, and any reserve savings requirements. It is necessary for the present invention that the property is either non-owner occupied, or will soon be non-owner occupied. The present invention further relates to software and systems for practicing the loan method of the invention.