Mortgage Guides

DSCR loan down payment requirements by property type. Minimum down payment for SFR, multi-family, short-term rental, and mixed-use properties. How DSCR ratio affects required down payment.

DSCR financing for mixed-use properties with retail, office, and residential components. Commercial vs residential DSCR qualification, income calculation, zoning considerations, and lender requirements.

Complete guide to assuming VA and FHA mortgages. How loan assumption works, eligibility requirements, assumption fees vs refinance costs, and wholesale broker advantage in navigating assumption transactions.

Mortgage recasting vs refinancing comparison. How re-amortization works, minimum lump sum requirements, recast fees vs refinance closing costs, and when each strategy saves more money.

Refinance after forbearance guide covering waiting periods by loan type, credit rebuilding timeline, FHA Streamline and VA IRRRL options, and non-QM alternatives for recent forbearance borrowers.

How to remove private mortgage insurance without refinancing. Homeowners Protection Act rules, reappraisal-based PMI removal, lender petition process, and when refinancing is the better option.

How to use a HELOC on your primary residence to fund an investment property down payment. Seasoning requirements, DTI considerations, HELOC plus DSCR loan strategies, and wholesale broker structuring.

How HECM principal limit is calculated using borrower age, expected interest rate, and home value. PLF tables, mandatory obligations, net principal limit, and FHA lending limit explained.

Complete guide to HECM reverse mortgage appraisal process. FHA Roster appraiser requirements, minimum property standards, repair conditions, second appraisal triggers, and appraisal costs.

How to protect seniors from reverse mortgage scams and HECM fraud. Common scam types, red flags, NMLS verification, HUD counseling protections, and reporting resources from FBI, CFPB, and FTC.

DSCR delayed financing strategy for investors. Buy investment property with cash then immediately refinance with a DSCR loan. No seasoning advantage, LTV limits, and documentation requirements.

DSCR loans for student housing investments near California and Washington universities. Per-bedroom income calculations, lease structures, property types, and college town rental fundamentals.