Guides
The long answers, without the sales pitch
Each guide takes one question apart properly: the guidelines that decide it, the numbers behind it, and the parts that lenders tend to leave out. Read one before you talk to anyone.
DSCR loan requirements, state by state
How an investor loan qualifies on the property's rent instead of your tax returns — the ratios, the credit floors, and the state-level rules that change the answer.
FHA or conventional? How the choice actually works in Georgia and Florida
The down payment is the headline, but mortgage insurance, credit floors, loan limits, and property condition usually decide which loan is cheaper over the years you keep it.
When a refinance actually breaks even
Divide the real cost of the new loan by the monthly savings and you get a number of months. Whether that number is good depends on how long you will keep the house — and on a trap most break-even math hides.
Want a second opinion on your scenario?
Send the details through the contact form and we'll walk through which guidelines apply — before an application, a credit pull, or a Social Security number.