Financing
FHA's 3.5% down sounds perfect — until you factor in MIP costs and occupancy rules. Here's a side-by-side comparison with actual numbers to help you choose the right loan.
Nov 25, 2025
DSCR loans qualify you on rental income, not personal income — 1.2+ DSCR, 20-25% down, 680+ credit. Perfect for self-employed investors. Here's how they work and when to use them.
Oct 14, 2025
1–4 units = residential financing and comps. 5+ = commercial loans and income-based appraisal. Here's what crosses at that threshold.
Sep 10, 2025
Seller financing lets you buy rental property without a bank — 5-10% down, 6-8% rates, flexible terms. Here's how it works, who offers it, and when it beats conventional loans.
Aug 22, 2025
BRRRR refinance timing: 6-12 month seasoning, how appraisals work, cash-out vs rate-and-term. Real numbers on a $120K/$150K/$190K deal.
Jun 20, 2025
Loan origination, appraisal, title, attorney fees—what you'll pay at closing. Typically 2–5% of purchase price. How to budget and what's negotiable.
Apr 18, 2025
Six million homes have assumable mortgages at pandemic-era rates — and almost nobody knows. Learn how rate inheritance, the equity gap bridge, and the house-hack assumption play let you lock in 3% while everyone else pays 6%.
Mar 16, 2026
You locked in at 3.1% thinking you'd refi in 2025. Now rates are 6.3%+ and your exit strategy just evaporated. Here's what to do instead of waiting for a rate cut that may never come.
Dec 29, 2025
Classic BRRRR relies on fast refi at low rates. In a 6.5% world, the 'Slow BRRRR' adapts the strategy — here's the updated playbook.
Sep 11, 2025
A 203k loan is an FHA loan that finances both the purchase price and rehab costs in a single mortgage. You buy a fixer-upper and fund the renovation with one loan, one closing.
APR (Annual Percentage Rate) is a real estate financing concept that describes a specific aspect of how real estate transactions, analysis, or operations work in the context of financing deals.
An acceleration clause is a provision in a promissory note or deed of trust that allows the lender to declare the entire loan balance due immediately when the borrower defaults on payment or violates other loan terms.
An adjustable-rate mortgage (ARM) is a loan whose interest rate changes periodically after an initial fixed period (e.g., 5, 7, or 10 years). The rate is tied to an index plus a margin: Rate = Index (e.g., SOFR) + Margin.
Amortization Schedule is a real estate financing concept that describes a specific aspect of how real estate transactions, analysis, or operations work in the context of financing deals.
An assumable mortgage allows a buyer to take over the seller's existing loan, keeping the original interest rate, remaining balance, and repayment terms intact.