Some of the financing we do is a little outside the box, and fix-and-flip loans are a great example. These loans can be used when you plan to renovate and sell a property, renovate and refinance it as a rental, or possibly renovate it and move in later. The loan is largely based on the […]

Late last night, I received an urgent call from a listing agent. She had an offer in hand, but the buyer wanted a 90-day escrow. The buyer earned enough money to qualify for the home, but there was one complication: she is currently on maternity leave and was not scheduled to return to work until […]

Today I want to explain how private money/ hard money loans work, and why the purpose of the loan matters. Private money loans are not your standard conventional, FHA, or VA loans. They are usually used when a deal does not fit inside the normal lending box. These loans can be very helpful when a client is […]

Non-QM loans are not Magic.  They are not the greatest loan ever, no matter how some lenders promote them. They are simply another tool, and when used correctly, they help get loans done that a regular lender often cannot do. DSCR loans are a great example. On many commercial loans, lenders want the rent to […]

As of July 1, 2026, one of the biggest condo lending changes officially took effect: Fannie Mae and Freddie Mac now limit the deductible for master Insurance policies to $50,000 per unit for required property Insurance coverage. That may sound like a small technical change, but it can have a major impact on condo buyers, sellers, real […]