by Eric Krattenstein | May 14, 2026
Paying upfront points for a lower DSCR rate is the right move on some deals and a capital trap on others. The breakeven math is straightforward, but the variable most investors get wrong isn’t math — it’s hold period assumption. The four variables that...
by Eric Krattenstein | May 12, 2026
Detroit went from “where capital goes to die” to one of the strongest cash-flow markets in the Midwest, but the DSCR math works at the neighborhood level — not the city level. East English Village pencils. Indian Village barely does. Russell Woods produces...
by Eric Krattenstein | May 8, 2026
Spec builders consistently miss two things on their first build: how much carry actually costs over 12 months, and how draw schedules dictate cash position from groundbreaking to certificate of occupancy. A walk-through of where the margin really goes, three...
by Eric Krattenstein | May 1, 2026
Phoenix is a top-5 inflow market for U.S. real estate investors, but the submarket-level geography makes or breaks a DSCR deal. Some ZIPs still pencil cleanly. Most don’t. And the “new build trap” built in 2022-2023 is catching out-of-state buyers...
by Eric Krattenstein | Apr 23, 2026
A renovated single-family home that hits the MLS in June clears at roughly $47,000 more than the same house listed in September. The seasonal data behind the gap, the 60-day reverse calendar that keeps loan timelines in sync with it, and the three mistakes that cost...
