Sprint Funding/Our Blog

Our Blog

August 1, 2026

California Conventional Loan Limits 2026: What San Diego Buyers Need to Know

The Federal Housing Finance Agency sets a new conforming loan limit every year, and the number that applies to a San Diego County purchase is different from the national figure and different again from the figure in Los Angeles. For 2026, the conforming loan limit in San Diego County is $1,104,000 for

Read More
discounted cash flows
June 20, 2026

Discounted vs. Undiscounted Cash Flow: Key Differences Explained

A fundamental concept in investments is the time value of money—the idea that there is a greater benefit to receiving a sum of money now rather than an identical sum later. It also takes into account the reduction in the real value of funds from the effects of inflation. There

Read More
Person in business attire holding a tablet with data displayed, standing on a sidewalk outside a modern residential building with landscaping and palm trees.
April 28, 2026

Pros and Cons of DSCR Loans for First-Time Real Estate Investors

DSCR loans (Debt Service Coverage Ratio) allow first-time investors to qualify based on property rental income rather than personal income, enabling faster closings and financing for multiple properties. However, they feature higher interest rates, larger down payments (20-25%+), and prepayment penalties, making them better suited for properties with strong, verified

Read More
Person signing a private mortgage insurance document on a desk with a calculator, pen, and two small house models.
April 23, 2026

Private Mortgage Insurance (PMI): When It’s Required and How to Remove It

Private Mortgage Insurance (PMI) is typically required on conventional loans when a down payment is less than 20% (over 80% Loan-to-Value or LTV). It protects lenders if borrowers default. PMI can be removed by submitting a request once equity hits 20% (80% LTV) and automatically terminates at 78% LTV, or

Read More
Split image: Left side shows a confused older man with question marks in front of a house labeled "Myth." Right side shows him smiling with house keys and a green check, labeled "Fact.
April 8, 2026

Common Reverse Mortgage Misconceptions Homeowners Should Know

Reverse mortgages allow seniors to convert home equity into cash without monthly repayments, but misconceptions often cause hesitation. Key truths are that you retain home ownership, heirs can inherit the home (by repaying the loan), and you cannot be forced out if you pay taxes/insurance and live there. A reverse

Read More
Categories