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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
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
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
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
The Role of a Co-Signer in Securing a Mortgage
A co-signer helps a borrower qualify for a mortgage by adding their credit and income to the application. By doing so, they assume full legal responsibility for the loan in the event of missed payments, despite not owning the property. This arrangement can improve approval chances and loan terms, but
How to Pay Off Your Mortgage Early Without Penalties
Owning a home is one of life’s biggest achievements, but for many, the mortgage can feel like a long-term financial burden. Paying off your mortgage early is a goal that appeals to homeowners who want financial freedom, reduced interest payments, and peace of mind. However, navigating prepayment rules and avoiding
Worried a Home Appraisal Could Delay Your Purchase? Here’s How It Helps You Close with Confidence
A home appraisal is a key step in the home buying process. It helps confirm the home’s market value. It also helps the lender confirm that the loan amount fits the property value. Sprint Funding focuses on clear guidance that fits your situation and your needs, so you can make
Joint Mortgage Applications: Benefits and Risks for Couples or Partners
Buying a home together is one of the biggest milestones in any partnership. For many couples, a joint mortgage application seems like the natural choice; it combines two incomes, strengthens borrowing power, and symbolizes shared ownership of a future. But as much as this decision can open doors, it also
How Hard Money Loans Differ from Traditional Financing
When borrowers compare funding options, understanding how hard money loans differ from traditional financing helps them choose an approach that fits their timeline, project type, and financial goals. Each loan style has its own approval method, structure, and purpose, which affects how quickly a borrower can move on an opportunity
Understanding Loan-to-Value (LTV) Ratio in Real Estate Financing
When you apply for a home loan, refinance, or investment property mortgage, one number quietly shapes your approval odds, interest rate, and monthly payment: your Loan-to-Value (LTV) ratio. LTV is not a “bank-only” concept. It’s a simple way of measuring how much of a property’s value is financed versus how
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