by Eric Krattenstein | Oct 31, 2025 |
An educational guide for real estate investors who like their coffee strong and their interest-rate expectations stronger. The Short Answer (So You Can Nail It In An Elevator Ride) Because mortgage rates are not set by the Fed’s policy rate. They’re set by the bond...
by Eric Krattenstein | Oct 24, 2025 |
How to choose the right capital for flips, rentals, ground‑up, and everything in betweenEstimated read time: 15–20 minutes. Grab coffee. Maybe two. TL;DR (but definitely read the rest) Hard money = fastest, often local, usually the highest cost, least paperwork, and...
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...
