The Self-Employed Tax Trap: Why Big Write-Offs Can Hurt Your Mortgage Approval If you’re self-employed, your accountant and your mortgage lender want two very different things from your tax return — and most business owners don’t find that out until they’re sitting across from me trying to buy a house. Here’s the tension in plain
Read MoreCan You Use a DSCR Loan for an Airbnb? How Short-Term Rental Income Works Can You Use a DSCR Loan for an Airbnb? Short answer: yes. One of the most common questions I get from investors is whether a DSCR loan will work for a property they plan to run as a short-term rental instead
Read MoreNon-QM Loans Explained: A Straight-Talk Guide for Self-Employed and Investor Borrowers If you’re self-employed or you buy investment property, you’ve probably run into a loan officer who looked at your tax returns, shook their head, and said the numbers “don’t work.” I hear this story constantly. In almost every case the borrower is perfectly qualified
Read MoreHELOC vs. Cash-Out Refinance: How to Choose When You Need to Tap Your Home’s Equity If you’ve built up equity in your home, at some point you’ll ask the same question almost every homeowner eventually asks me: what’s the smartest way to actually get at it? The two tools most people land on are a
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