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FHA-loan-coverage
February 25, 2026

Can You Buy a Multi-Family Property with an FHA Loan?

Yes, you can purchase a 2–4 unit multi-family property using an FHA loan as long as you occupy one unit as your primary residence for at least one year. This approach, often referred to as house hacking, lets you take advantage of FHA’s low 3.5% down payment (with a 580+

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A laptop on a desk displays an apartment rental website with a search bar and a photo of a modern bedroom, hinting at investment opportunities like those supported by a DSCR loan. A plant, pens, and a cup of coffee are also on the desk.
February 17, 2026

DSCR Loans for Short-Term Rentals and Airbnb Properties

DSCR (Debt Service Coverage Ratio) loans are specialized, non-QM mortgages for short-term rentals (STRs) like Airbnb/VRBO, qualifying borrowers based on property income rather than personal income. Traditional lenders rely on W-2s, tax returns, and pay stubs to approve a mortgage. That works for salaried homebuyers, but real estate investors often

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VA Loans
January 29, 2026

VA Loan Myths: What Do Homebuyers Need to Know?

VA loans are meant to make homeownership more accessible for veterans and service members, yet they’re often misunderstood. Because of ongoing misconceptions, many buyers miss out on key benefits such as zero down payments, no private mortgage insurance (PMI), and competitive interest rates. Common myths include the belief that VA

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Couple holding keys to new home after qualifying for FHA loan following bankruptcy
January 22, 2026

Had a Bankruptcy or Foreclosure? Here’s How to Get an FHA Loan

You can qualify for an FHA loan after bankruptcy or foreclosure once specific waiting periods pass. Chapter 7 bankruptcy requires a two-year wait. Chapter 13 bankruptcy may allow approval after one year of on-time payments. Foreclosure requires a three-year waiting period. Rebuilding credit and saving for a down payment during

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A lakeside house at sunrise with text overlay: "How Conventional Loans for Second Homes Work for Vacation Properties.
January 14, 2026

How Conventional Loans Work for Second Homes and Vacation Properties

Conventional loans for second homes work like primary home loans but demand stricter criteria: higher down payments (often 10-25%), stronger credit (620+), more cash reserves (6-18 months), and slightly higher interest rates than primary homes but lower than investment properties, requiring lenders to verify you can afford both mortgages plus

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