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 | Jul 2, 2026
Key Takeaways Build-to-rent starts fell 19% in 2025 to 68,000 units (from 84,000 in 2024) as financing costs squeezed marginal deals — but the strategy still pencils where the fundamentals hold. 82% of the BTR construction pipeline is in the Sun Belt, with Phoenix...
by Eric Krattenstein | Jun 29, 2026
Pennsylvania doesn’t fit the narratives that drive investor attention. It isn’t a Sunbelt growth story or a comeback story like Detroit or a yield-headline machine like Cleveland. It’s two major cities and seven secondary metros that have been...
by Eric Krattenstein | Jun 25, 2026
For most of 2025, the consensus was simple: inflation was cooling, the Fed would keep cutting, and rates would drift lower through 2026. That story is now wrong. The Fed held in June, the dot plot flipped toward a hike rather than a cut, and the higher-for-longer...
