by American Heritage Lending | Jul 27, 2026
Key Takeaways Conventional financing caps a borrower at 10 financed properties (Fannie Mae) — and the practical wall arrives earlier, at 720+ credit and six months of PITI reserves on every property beyond four. DSCR loans qualify on the property, not the borrower —...
by Eric Krattenstein | Jul 6, 2026
Key Takeaways ADU build costs typically run $150–$300 per square foot in 2026 with garage conversions from about $80,000 and detached new builds reaching $200,000–$400,000. The U.S. already has roughly 1.4 million single-family homes with ADUs and California now...
by Eric Krattenstein | Jun 22, 2026
Every fix-and-flip investor eventually has a contractor disaster. The question isn’t whether — it’s how prepared the operation is when it happens. The vetting framework that separates contractors who finish on time from contractors who disappear, the...
by Eric Krattenstein | Jun 18, 2026
Hurricane season started June 1, 2026 with NOAA forecasting below-normal Atlantic activity for the first time in four years. The Florida insurance market is simultaneously executing its first broad rate cuts since 2019. The three moves smart investors are making this...
by Eric Krattenstein | Jun 15, 2026
DSCR cash-out refinance math depends on four things that rarely all line up at once: where the equity goes, whether the new DSCR still clears the floor, what the rate differential looks like between current and new pricing, and how long the property gets held. The...
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...
