The Equity Report

The part of your rate the Fed can't touch

Wednesday brings a decision and new projections. For a DSCR quote, the bigger lever is elsewhere.

You qualify on your best day. Not your worst

Income, credit, and home value are measured when you apply. Hard years can hit all three.

A HELOC denial is a diagnosis, not a verdict.

Declined for a HELOC? The reason is on the letter, and some of them can change.

Can the down payment come from the house?

$150,000 from home equity funded a rental. Now the rental has to carry two loans.

It qualified. Then the water heater went.

Rent matched the payment. The lender approved it. Here's what it never checked.

The ceiling almost nobody checks until underwriting.