Retired With Assets? How a Mortgage Using Assets as Income Works
Many retirees spend decades working, saving and investing. Then they apply for a mortgage and hear something surprising: “You don’t […]
Non-QM Loans
What Is a Good DSCR for Investment Property Loans?
A good DSCR for investment property is typically 1.25 or higher. A ratio between 1.0 and 1.24 is still workable
Mortgage Planning for Business Owners
Mortgage planning for business owners looks different than it does for a W-2 employee. Your income isn’t a fixed number
How Is DSCR Calculated for a Rental Property?
How is DSCR calculated? For a residential rental property, the formula is simpler than it sounds: divide the property’s monthly
How Do Mortgage Lenders Calculate Self-Employed Income?
How lenders calculate self-employed income isn’t a mystery, but it’s rarely explained clearly, and the gap between what borrowers assume
Tax Write-Offs vs. Mortgage Qualification for Self-Employed
Every self-employed borrower eventually runs into the same contradiction: the tax strategy that saves the most money in April often
DSCR Loans Explained for Real Estate Investors
DSCR loan lets a real estate investor qualify for financing based on what the property earns, not what the investor
Non-QM Loans Explained: Who They’re For & How They Work
“Non-QM” gets used constantly in mortgage conversations, but rarely explained clearly. It’s not a red flag, and it’s not a
Bank Statement Loans Explained for Self-Employed Borrowers
If your tax returns understate what you actually bring in, because of legitimate business write-offs, a bank statement loan may
Can I Get a Mortgage If I’m Self-Employed?
Yes, you can get a mortgage if you’re self-employed. It’s one of the most common questions we hear. And it
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