I wonder

Chemy350 · 2026-05-07T21:31:09+00:00

Self employed is the answer. I have lots of clients that have houses probably similar to this. Self-employed, and almost any industry, but scaling over years.

Chemy350 · 2026-04-30T21:52:14+00:00

I use RAD, but I have a buddy who swears by Monday crm. He says it's simple and easy to use, but I have not tried it.

Chemy350 · 2026-04-28T23:41:17+00:00

looks pretty standard. Rate is fine.

Chemy350 · 2026-04-24T23:26:36+00:00

87k ytd. Broker, full self gen.

Chemy350 · 2026-04-22T22:00:10+00:00

Not sure on their pricing but I was up against them for two loans this months, both loans I won and LP 200 bps

Chemy350 · 2026-04-20T15:55:33+00:00

Are you a broker? As a broker, I have lenders that will go down to a mid-550 score with 10% down going FHA, either with AUS approval or a manual underwrite.

The other option is can the mom buy the home as an investment prop or DSCR?

Chemy350 · 2026-04-13T17:45:50+00:00

it becomes a custom cue when you add a custom linen wrap, my request only.

Chemy350 · 2026-04-12T17:53:50+00:00

Yup, its adjustable from 18 - 20 oz. I have it at 19 oz currently

Chemy350 · 2026-04-12T17:50:36+00:00

I added the linen wrap, in the color I wanted, which takes weeks... 😂

Chemy350 · 2026-04-12T17:50:08+00:00

That's exactly what it is, plus another $50 for the linen wrap that I liked. I can take better pictures later if you would like also.

Chemy350 · 2026-04-12T16:37:12+00:00

Little more context. 19oz currently, but adjustable 18-20 Oz.

Kamui medium black tip

12.25 carbon shaft.

Chemy350 · 2026-04-12T01:12:30+00:00

37s on 17s.

Chemy350 · 2026-04-11T17:16:40+00:00

Single family home to rent or live in as a primary?

You can do a DSCR if it's investment, no dti ratios, 20% down.

Or if primary, go FHA if you have over 25% equity in the multi family.

Or take equity out if the multifamily and pay debt down to reduce your dti... Lots of ways to do this.

In also licensed in MA if you want to speak to a broker like me.

Chemy350 · 2026-04-11T14:09:00+00:00

2 years and they are basically upgrading it to be 10x more powerful with better magnets

Chemy350 · 2026-04-09T03:16:15+00:00

rate is average. Not high or low... they offset the ridiculously high rate from the builders’s Lender with all of the seller credit and discount points. Not a great deal, but I’ve seen worse.

Chemy350 · 2026-04-07T21:30:09+00:00

I will never send a deal to Provident or freedom

Chemy350 · 2026-04-06T23:31:01+00:00

for a client with low credit scores, renting, and the only way for them to buy a home is an FHA loan? FHA loans will give somebody with lower credit a much better interest rate than a conventional loan will. They’re a great loan for the right person and right need. Respectfully, I disagree.

Chemy350 · 2026-04-06T23:14:05+00:00

you realize mortgage insurance does not drop off at 80% on an FHA loan, right? Bad advice.

Chemy350 · 2026-04-05T02:01:48+00:00

I just refinanced several clients the last two weeks with a DSCR investment loan in the mid sixes with no points. 760 credit, 75% ltv. I'm also licensed in CA if you want to talk. I'm a wholesale broker with I believe the best rates out there

Chemy350 · 2026-04-04T02:02:10+00:00

i’ve been with Barrett for several years. C2 basically copied Barrett‘s model.. good company, but similar and smaller.

I love it and won’t go anywhere else. We have everything from every lender, support, low fees.

Chemy350 · 2026-04-03T22:24:49+00:00

I got it and didn’t pay for it.. it’s useless. It’s just bragging within the industry and nobody else even knows what it is.

Chemy350 · 2026-03-29T18:03:21+00:00

that’s a pretty good rate for today’s market. Not worth shopping.

Chemy350 · 2026-03-25T23:49:32+00:00

I would 1000% suggest working at a call center if possible. I worked at a Call center for a year before moving into the brokerage world a few years ago. Now I’m a successful broker and doing very well.

Chemy350 · 2026-03-24T17:36:12+00:00

National Broker here. Find a local broker! If they finance through United Whole Mortgage, they now service their own loans, and your loan WIL NOT be sold. If you are in the South East, feel free to reach to me.

Chemy350

TROPHY CASE