News, Education, & Insights From Team AHL
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The 5% Line: Why Rates Spiked This Week and What It Means for Real Estate Investors
The 10-year Treasury crossed 5% for the first time since 2007 and mortgage rates topped 7%. Here is what drove the move, why the Fed hike is only part of the story, and what it changes for DSCR sizing, refinance plans, and negotiating leverage.
The 2026 Insurance Reset: What Property Insurance Actually Costs Now
For most of the last decade, insurance was a rounding error on a rental pro forma — a line you penciled in at a few hundred dollars and forgot about. That line has moved. In 2026 it is one of the fastest-growing costs an investor carries, and because it sits inside...
The STR Regulation Reset: States Where Airbnb Still Pays and Where It Doesn’t
The short-term rental land grab is over. What replaced it is a patchwork of registration rules, night caps, and outright bans that varies block to block — and the gap between where Airbnb income still supports a loan and where it was legislated out of existence has...
The Foreign National Investor’s 2026 Playbook: How to Buy U.S. Rentals
Foreign buyers put $56 billion into U.S. homes in the year through March 2025, and nearly half of that came from non-residents who never step off a plane at closing. The obstacle was never demand — it was the paperwork a U.S. bank asks for. A DSCR loan removes most of...
Spec Builder Success: The Texas Ground-Up Playbook for Active Builders
Texas issues more single-family permits than any state in the country — roughly 168,000 in 2025, more single-family homes than the next state by a wide margin. For an active spec builder, the opportunity is obvious and the constraint is capital: how do you finance the...
Labor Day Market Check: Where Inventory Is Moving and Where It’s Stuck
Heading into Labor Day 2026, the national housing story is no longer a single number. For-sale supply is rebuilding fastest in the Northeast and Midwest, where homes still move in weeks, while the Sun Belt and Mountain West are where the overhang is deepest and...
The Pre-Approval Advantage: Why Getting AHL-Approved Before You Offer Wins
Two investors want the same rental. One writes an offer backed by a pre-underwritten DSCR approval and a two-to-three-week close. The other writes a higher number with a financing letter that says “subject to review.” In a market where sellers still price certainty...
How Sal Flips the Houses Other Investors Drive Past
Sal is not chasing the obvious deals. After twenty years as a licensed real estate agent in Southern California, he has built a full-time flipping business on a simple premise: the houses most investors reject usually get rejected for the wrong reason. He got his...
Washington’s Rental Code Reality: What Seattle Landlords Actually Face
Washington did not become a heavily regulated rental state by accident, and it did not become one all at once. Statewide just cause arrived in 2021; a statewide rent cap arrived in 2025; and Seattle, Tacoma, and Spokane each built their own layer on top. For an...
The No-Ratio DSCR Deep Dive: When ‘No DSCR Required’ Is Actually the Right Call
A qualifying DSCR loan asks one question before anything else: does the rent cover the payment? For a vacant purchase, a gut rehab, or a seasonal short-term rental, the honest answer on closing day is often no. A no-ratio DSCR loan removes that test — and that...