Quick recap: DSCR loans qualify based on the property’s rental income + your FICO (and sometimes your experience). ​ Here’s the tricky part… Most DSCR lenders finance 1–8 unit rentals. Assisted living and sober living properties are usually classified as “mixed use” → commercial. ​ 👉 Good news: we work with lenders who DO allow DSCR loans on commercial properties. ​ But here’s the catch… ​ Lenders only look at the real estate value (the property). ​ They won’t include the business value in their appraisal. ​ Example: One of our appraisals came in at $400K with business included. The lender adjusted it down to $360K for property only. That’s a $40K difference—and it matters. ​ Key takeaway: DSCR = asset only (the property). SBA = property + business. ​ If you’re exploring Assisted Living or Sober Living with DSCR financing, know the difference before you get surprised at closing. ​ Have DSCR questions? I’m here to help!

Are we over the DSCR fad? Nope! Here's why I told them to go with a CONVENTIONAL loan over a DSCR: 1. They qualified for a conventional! Conventional rates are lower than DSCRs by 1-2%. If you're buying a property, every penny counts, You're not just building your portfolio, you are running a business with each new rental. 2. I want people to be Successful in their investment journey While I hope that journey involves our collaboration it isn't right to push onto someone something that is not in their best interest. BUT HERE IS THE KICKER! Conventional loans limit investors to 10 properties. So we will be working together sooner or later! In the meantime, I will point them in the direction best for their growth and goals.

*As far as I know at this time* ​- DSCR loans are asset-based loans, yes ​ However, DSCR lenders are utilizing FICO scores, borrower’s experience, and citizenship to weigh the risk factor of the loan. ​ Additionally, though your Credit Score is a consideration in qualification for financing that does not mean it would always be subject to a hard pull when closing this loan. ​ There are several DSCR lenders in the space whom offer Soft Credit Pulls during a DSCR Refinance or Purchase ​ Oftentimes these don’t come with a hit to the rate, as well. ​ This is perfect for investors with big ambitions to grow their portfolio aggressively ​ No waiting to recover your score in order to buy your next rental ​ Share this info for those real estate friends gaining some traction in their journey and help them sky rocket to their goals!

If we were grabbing lunch, I’d tell you this straight up:👇 You’re not wrong for thinking BRRRs aren't possible right now. Yes, interest rates are higher than what we got used to. But here’s what you might be missing... Investors are STILL: - Cash flowing in today’s market - Refinancing to clean up sticky situations - Buying smart instead of waiting for perfect conditions Is it because the pros? No They don’t wait for a “perfect market.” They learn how to play the one we’re in—and still win. Waiting for rates to drop might save you a point or two. 📉 But the missed equity, competition, and price increases? That could cost you a whole deal. So yeah—this isn’t 2021. But it’s not a reason to sit out either. I just don’t want you looking back in 6 months saying, “Man, I should’ve bought that one.”

If you’re a landlord charging pet fees, parking fees, trash fees, admin fees—you’re not alone. These add-ons have become a standard profit strategy, especially since big institutional players like Greystar, Equity Residential, and Invitation Homes started using them to squeeze every dollar from their rentals. But now the DOJ is stepping in, and it’s not just about the big guys. The feds are investigating whether tools like RealPage (used by massive landlords to “optimize” rent and fees) are leading to price-fixing and deceptive practices. That means all the fees you’ve been relying on to boost NOI could soon be seen as illegal. Here’s the twist: Corporate landlords may survive this. But small landlords—guys like us—could get caught in the fallout. If these fee structures are banned or regulated, expect: - Tighter lease laws - Restrictions on what you can charge - More tenant lawsuits and government scrutiny The takeaway: Audit your lease. Tighten your disclosures. And spread the word—because if we don’t pay attention, this crackdown could crush small-time operators trying to stay profitable. Stay smart. Stay ahead. Full article here: DOJ Targets Junk Fees in Rentals