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The expense factor is the negotiation
Everyone shops the rate. On a bank statement loan the number that decides whether you qualify at all is the one nobody asks about.
Read itThe day book
Notes from the desk
Written when something comes up often enough that I would rather send a link than repeat myself. Five so far.
Twelve months or twenty-four?
Choosing your look-back period is the cheapest decision on the file, and the one most often made by accident.
Read
On a Gulf South rental, quote the insurance first
The premium decides more deals here than the interest rate does, and it arrives late enough to break them.
Read
Add the returns up first
A great many self-employed buyers are quoted a non-QM rate they never needed.
Read
What a broker is actually for
Not a better rate. A better match — and the difference shows up on files that are not standard.
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The next step
Reading is cheaper than a bad application.
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