Mortgage news and helpful tips

Yes, a Las Vegas condo can carry a DSCR loan. How dues sit in PITIA, the hotel test, reserves, lawsuits and the Nevada resale package, in plain words.

How a Kansas rental is taxed, what local mill levies and hail deductibles do to a DSCR ratio, and the state's deposit and eviction rules, worked with Wichita numbers.

DSCR loan in Massachusetts: why a Boston rental loses the seller's residential exemption, plus lead paint, deposit, eviction and short-term rental rules.

DSCR loan in Louisiana: the homestead exemption a rental loses, the insurance line that moves the ratio, New Orleans STR rules and Orleans recording costs.

DSCR loans in Mississippi: the 10 versus 15 percent assessment split that taxes every rental harder, worked on a real Southaven deal.

Portfolio loans for rental properties, worked against Fannie Mae's own counting rules. The conventional route stops at ten financed properties, your own financed home counts toward it, a fourplex counts as one, and crossing from four to five properties adds 13,941 dollars of reserves on the illustrative file below.

What credit score do you need for a DSCR loan? No agency publishes a minimum, so the score sets your loan-to-value ceiling and your price rather than deciding whether your income qualifies. Las Vegas arithmetic, checked line by line.

DSCR loan closing costs in Las Vegas, itemized on a 309,000 dollar loan. Clark County transfer tax at 2.55 per 500, recording at 42 dollars, and why no Loan Estimate arrives.

FHA, Fannie Mae, Freddie Mac and VA each count a student loan differently. All four rules worked on one balance, with 2026 Clark County limits.

A DSCR loan appraisal sets the market rent your coverage ratio is built on. How Form 1007 works, why the lower of the lease and the rent schedule usually wins, and what to do when it lands below your lease.