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 6, 2026
KEY TAKEAWAYS Out-of-state investing gives access to better cash flow markets unavailable locally DSCR loans finance properties nationwide without borrower residence requirements Building a reliable local team (property manager, agent, inspector) is critical...
by Eric Krattenstein | Mar 30, 2026
KEY TAKEAWAYS DSCR cash-out refinances allow up to 75% LTV, extracting equity without selling Seasoning requirements vary: 0-3 months (cost basis), 3-6 months (70% LTV), 6+ months (full value) No tax returns required—qualify based on property income Critical for BRRRR...
by Eric Krattenstein | Mar 23, 2026
KEY TAKEAWAYS DSCR loans qualify based on rental property income, not personal tax returns or W-2s Ideal for self-employed investors whose tax strategies minimize reported income No property count limits—scale your portfolio without DTI constraints LLC and entity...
