refinance

A Quick Guide to Refinancing Investment Properties – Five Scenarios to Consider

Landlords face a myriad of financial decisions in managing a investment real estate portfolio. Among these, the strategic use of refinancing emerges as a powerful tool to optimize returns and secure long-term profitability. In my experience, there are five key situations where refinancing an investment property can be a strategic move.  While cash flow is […]

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Thinking Like a Flipper to Best Divest of the Marital Home

Divorce is a challenging and emotionally taxing experience, often accompanied by difficult decisions, especially regarding the marital home. While many couples default to the simple choices of a buyout or sale, a more strategic approach can lead to significant financial benefits under the right circumstances. The flipping strategy, involving renovations and improvements to maximize gains

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The Expert X-Factor: Why Experience Matters When Choosing a Hard Money Lender

By Douglas Katz – 09/12/2023 When it comes to real estate investments, choosing the right lender can be the difference between success and failure. This is especially true in niche categories like hard money lending, where minimal regulation and low barriers to entry have led to a wide range of lenders with varying levels of

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In Investment Real Estate, Your Lender’s Character Will Define Your Experience

By Douglas Katz – 08/14/23 In the unregulated and high-stakes world of real estate investment, where interest rates, loan terms, and financial feasibility often dominate discussions, a significant but often underestimated factor looms large: the character of your investment real estate lender. Beyond the numbers, lies an important and often underemphasized aspect of your lender

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With Divorce Housing Advice – You Get What You Pay For

By Douglas Katz – 08/09/23 One critical decision during divorce is determining what to do with the family home. Many divorcing couples often turn to lenders for housing advice due to their familiarity with the mortgage process. While logical and seemingly a solid choice, there are many fatal flaws to this approach.  While adding some

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The Illinois Disabled Veteran Real Estate Tax Exemption – A Great But Flawed Benefit

By Douglas Katz – 04/26/23 As an Army veteran and a experienced loan officer, I try and keep up to date on the benefits for my veteran and active duty clients.  In my home state of Illinois, the big one is the Disabled Veteran Real Estate Tax Exemption, which can benefit veterans with reduction or

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The VA One-Time Refinance Entitlement Restoration Rule – Misunderstood and HUGELY Important

By A. I. Lendberg, Edited by Douglas Katz – 04/25/23 As a mortgage lender and VA loan expert, I see every day how important to understand the ins and outs of the VA loan system.  It is very similar to any loan, in overall process, but there are some key differences. One of the most

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Pro Se Shouldn’t Mean Go It Alone When It Comes to Real Estate in a Divorce

By A.I. Adrinfo, Edited by Doug Katz – 03/20/23 Divorce can be a complex and challenging process, especially when it comes to dividing property and assets. If you are going through a divorce and plan to represent yourself (pro se) instead of hiring an attorney, it’s important to understand the financial implications of your decisions.

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Is the BRRRR Strategy Entering an Ice Age?

By A.I. Lendberg, Edited by Douglas Katz – 03/06/23 The BRRRR real estate investment strategy has become increasingly popular among real estate investors in recent years. BRRRR is an acronym that stands for Buy, Rehab, Rent, Refinance, and Repeat. This strategy involves purchasing a distressed property, rehabilitating it, renting it out, refinancing the property to

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VA Loans for Investment Properties – A Good but Limited Option

By Douglas Katz – 03/02/23 Veterans Administration Home Loans (VA Loans) have long been a popular financing option for those looking to purchase a primary residence. However, what many people may not realize is that VA Loans can also be used to purchase properties intended for investment purposes.  Before running headlong into using the VA

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