Attention property investors! Significant tax changes are on the horizon for 2025, especially concerning bonus depreciation, a valuable tax-saving opportunity for real estate owners. The current rate will drop from 60% in 2024 to 40%
As real estate investors seek ways to maximize the value of their properties, adding an accessory dwelling unit (ADU) has become a popular strategy. ADUs provide extra income potential and increase the property’s overall value.
If you’re a W-2 employee who hasn’t filed your tax returns, you may be wondering whether you can still qualify for a home loan. Traditional lenders typically require your tax returns as part of the
When purchasing a home with cash, many buyers might not be aware of a beneficial financing option known as a cash recapture loan. This loan can be a strategic tool to access funds tied up
Introduction to Debt Service Coverage Ratio (DSCR) In the world of real estate investment, identifying financial metrics is key to making informed decisions and maximizing returns. Among these metrics, the Debt Service Coverage Ratio (DSCR)
FAMILY MEMBERS CAN GIFT YOU MONEY TOWARDS YOUR DOWN PAYMENT! It’s no secret that with interest rates at 20-year highs and the median home prices in some areas of the country above $900,000 it’s as
EXCLUSIVE: Looking to access your home equity to improve your home, pay off higher-interest debt, or finance education? Need to pay for other major or unexpected expenses, but don’t want to wait around several weeks
QUALIFYING FOR A HOME LOAN USING TEMPORARY DISABILITY OR TEMPORARY LEAVE INCOME IS INDEED POSSIBLE! How it Works Temporary leave typically refers to short-term absences initiated by employees for reasons such as maternity or parental
What’s Happening Over the weekend, Silicon Valley Bank (SVB) and Signature Bank were both taken over by the FDIC, and several other banks could be up next. A few things to consider: This is good
The real estate and mortgage industries are seeing rapid changes. The way people buy and sell property is changing. So too is the way people apply and qualify for mortgages. “Non-QM lending,” a term that
When homeowners need to unlock equity in their home, when they need cash for home repairs, medical bills, emergency travel expenses, or any of life’s unexpected costs, they often turn to cash-out refinancing. But delayed
Chad Baker
Originating Branch Manager
NMLS #329451
858-353-8331
Licensed in: Alabama, Arizona, Arkansas, California, Connecticut, Delaware, District of Columbia, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming.
© 2025 San Diego Purchase Loans. All Rights Reserved. Disclaimers. Powered By CrossCountryMortgage, LLC