Mortgage news and helpful tips

An interest-only DSCR loan lifts the ratio on a Las Vegas rental. See the math in dollars, and what happens when the interest-only period ends.

What makes a Las Vegas condo non-warrantable under Fannie Mae's current project standards, how Nevada's resale package lets you check before the five day cancellation window closes, and the portfolio, non-QM and DSCR routes that still finance the unit.

How DSCR loans in Tennessee are underwritten: the coverage ratio worked on a Nashville rental, the 25 versus 40 percent assessment split a short-term rental permit triggers, LLC vesting and the recordation taxes waiting at closing.

Home › Blog › 3-2-1 Buydowns Buydowns How a 3-2-1 buydown works, and how to size one VWVS Written by Valley West Editorial · Reviewed by Vatche Saatdjian, NMLS #69363 (Valley West Mortgage, NMLS #65506) · Expert-reviewed Updated August 27, 2026 · 12 min read Valley West Mortgage is a Las Vegas lender, NMLS #65506. […]

What a VA IRRRL costs: the 0.5% funding fee and its exemptions, the fee schedule 38 CFR 36.4313 allows, the 1% origination cap, roll-in rules, no-cost structures, and the 36-month recoupment test, with a worked fee sheet.

The published waiting periods after a bankruptcy, foreclosure, deed in lieu or short sale, sourced to Fannie Mae B3-5.3-07 and HUD Handbook 4000.1, plus a worked Henderson example and an honest read on where a non-QM program genuinely shortens the wait.

A DSCR cash-out refinance is capped twice: once by your equity and once by the coverage ratio, which every dollar of cash-out pushes down. A Las Vegas rental worked end to end, plus the agency seasoning and loan-to-value rules it is measured against.

A non-QM lender makes home loans outside the CFPB's Qualified Mortgage definition. What that means, why it is not subprime, the main programs, and why state licensing matters more than how close the office is.

A 640 credit score clears FHA's 580 floor and most lender overlays. Here is what really decides an FHA approval at 640, and what to do if you are below it.

Duplex, triplex, or fourplex? Compare conventional, FHA, VA, and DSCR paths, 2026 Clark County loan limits by unit count, and how rental income qualifies.