by Eric Krattenstein | Sep 15, 2025 |
Millennials are the largest U.S. cohort squarely in their prime household‑formation years. They’re renting longer, buying later, raising kids, treating pets like family, and working from home at least part of the week. That mix isn’t just a cultural observation—it’s...
by Eric Krattenstein | Sep 10, 2025 |
TL;DR (Executive Summary) DSCR for SFR/2–4 is simple: Underwritten Gross Rent ÷ PITIA. Hit ≥1.10×–1.25× and life gets easier. For 5–10 units, many lenders switch to NOI ÷ Annual Debt Service — we still size 5–10 the same as 1–4 (Rent ÷ PITIA), then sanity‑check the...
by Eric Krattenstein | Aug 25, 2025 |
Introduction: flipping in a split‑market year If 2024 felt like trying to flip a house while the market kept moving the furniture, 2025 feels more like someone finally turned the lights on. We can see the room again—prices, demand, and costs are no longer sprinting in...
by Eric Krattenstein | Aug 18, 2025 |
TL;DR (but you’ll want the details) Green rehabs can lift NOI quickly via lower utility and maintenance costs, small rent premiums, and reduced vacancy—especially in landlord‑paid utilities or RUBS/all‑bills‑paid situations. Fast‑payback winners: heat pump water...
by Eric Krattenstein | Jun 16, 2025 |
Rising interest rates and market headwinds might feel like a roadblock—but savvy investors know that volatility breeds opportunity. In today’s higher-rate climate, a 40‑year DSCR (Debt-Service Coverage Ratio) loan featuring a 10‑year interest-only period transforms...
by Eric Krattenstein | Jun 10, 2025 |
Ever taken one look at a dated bungalow in Denver and thought, “This place has good bones… and maybe a few skeletons in the closet”? Colorado house flipping blends the thrill of uncovering hidden potential with the occasional plumbing surprise—and yes, sometimes both...
