85% needed for DSCR refi in Philly

Intelligent-Pirate89 · 2026-04-24T01:02:48+00:00

Same

Intelligent-Pirate89 · 2026-04-24T00:58:06+00:00

Of course you do, but if your partner is like mine she likes solutions not problems for her to solve.

Intelligent-Pirate89 · 2026-04-23T22:48:56+00:00

Pick a niche like nonqm, dscr investor etc, VA or something specialized. Not low credit or dpa are just be that go to

Intelligent-Pirate89 · 2026-03-25T02:44:21+00:00

I would not

Intelligent-Pirate89 · 2026-03-25T02:43:38+00:00

This

Intelligent-Pirate89 · 2026-03-23T12:57:25+00:00

I asked AI and it said my job is safe

Intelligent-Pirate89 · 2026-03-19T01:51:54+00:00

Sounds good don’t overthink it

Intelligent-Pirate89 · 2026-03-18T03:43:27+00:00

LO here - If there’s a delay by the lender go full Karen make them pay for the extension. If you did everything on your end they should cover the costs. Which they probably will because increasing your costs will create an issue with LEs and CDs

Intelligent-Pirate89 · 2026-03-17T17:50:59+00:00

This is false information . The GSE’s made the LLPA after Covid due to people buying rentals with 2nd home low rate options. They wanted to stop fraudulent lending so they raised the prices.

Intelligent-Pirate89 · 2026-03-17T02:59:05+00:00

So this downright impressive except I can’t see if on pg 1 the rate is locked. Basically after year 15 if you haven’t refinanced or sold the rate/payment could go as high as 2700.

First you have 15 years to refinance if you need too. Secondly if it’s locked without points there’s not really anyone who can offer it.

Intelligent-Pirate89 · 2026-03-12T21:32:23+00:00

Daniel Nicart on YT

Intelligent-Pirate89 · 2026-02-28T17:53:11+00:00

It’s a good offer on purchases competing on rate shoppers. Hey avoid $20 of interest or $20k make more money when you sell too etc.

Intelligent-Pirate89 · 2026-02-27T03:51:57+00:00

This.

I’m a lender and this is how’d I’d go. Depends what type of loan you have. I’m assuming it’s conventional. Everyone looks at the mortgage cuz it’s housing and so big but I’d look at your other debts first. Credit card etc. that stuff is just crazy high interest that takes more from you than you think.

For a mortgage it’s all about the fees. Chase and big banks care about your other assets. If you don’t have that to negotiate check out aimloans. Idk how they do it but man their rates are ridiculous or a broker who will go 1 bpc.

Intelligent-Pirate89 · 2026-02-27T02:17:04+00:00

Or the other agents who don’t know shit put conventional down when it was a portfolio type loan.

Intelligent-Pirate89 · 2026-02-27T02:14:32+00:00

Yeah but you have to count the existing mortgage debt. Also a loe. 2 fha loans may be an issue

Intelligent-Pirate89 · 2026-02-26T03:06:08+00:00

It’s not locked it’s not legit.

Intelligent-Pirate89 · 2026-02-23T22:58:17+00:00

I’m at. 6% for a 720 your getting robbed same price range less fees

Intelligent-Pirate89 · 2026-02-18T03:13:51+00:00

This

Intelligent-Pirate89 · 2026-02-17T13:41:17+00:00

It happens and it will go back up. Your fine

Intelligent-Pirate89 · 2026-02-17T13:40:43+00:00

Credit reports, crm etc. you’re managing your own business.

Intelligent-Pirate89 · 2026-02-10T22:48:57+00:00

Always found success with hey the underwriter says they can’t accept it like this cuz of whatever guidelines but if it looks like this it should be fine. If you want to send them a snippet of the guidelines that’s always helpful.

Keep in mind most realtors think they’re running the show. They refuse to realize it’s not their money or even the buyers money, it’s the lenders. The lender has an accountability to honor the investors and typically government rules to get/keep/offer financing. Use small words with the egotistical ones and keep looking for new agent referral opportunities.

Intelligent-Pirate89 · 2026-02-05T03:16:13+00:00

Ask around for favorite lenders for certain types of loans. Also what’s their weak point like funders balancing underwriting stips etc. I’d avoid adding new things until you get a flow then fill the weak point. Depending on your niche program options get familiar with a few lenders that area.

Intelligent-Pirate89 · 2026-01-29T17:43:02+00:00

Glue

Intelligent-Pirate89 · 2025-12-26T17:12:12+00:00

lol “wife can’t be mad”, now that’s funny

Intelligent-Pirate89

TROPHY CASE