Real estate mortgage loans without ‘perfect’ tax returns
If you think you need stellar tax returns to get a loan to purchase real estate, think again. A lot of the clients and real estate investors I help either come to me direct or through their CPA or financial planner, often because they have irregular income. They don’t look good on paper, but their…
Read MoreTaking a Breath and Being Present
This week I get to do something I don’t always do well enough, and that’s just slow down and be present with my family. Spring break has a way of forcing that on you, and honestly, I needed it. There’s something that happens when you step away from the grind for a few days. You…
Read MoreWhat You Should Know About 50-year Mortgages
The Middle Tennessee market is still in a holding pattern. Inventory remains about 30 to 40 percent below pre pandemic levels, which keeps prices steady even with rates in the mid sixes. Well priced homes in Franklin, Brentwood, Nolensville, Mount Juliet, and Hendersonville are still selling, but overall days on market are longer. Buyers have…
Read MoreFrom Write Offs to Approval
If you’re self-employed, you know the drill. Your CPA helps you save money by maximizing write-offs. It’s great for taxes. But when it comes to qualifying for a loan, those same write-offs shrink your income on paper. We had a client in this exact situation. Their tax returns showed almost nothing. But their business bank…
Read MoreHow We Helped an Investor Keep their Short Term Rental Permit
Short-term rentals can be incredible investments. But they also come with red tape. In some areas, the short-term rental permit doesn’t just stay with the property. It’s tied to the LLC that owns the property. That means if you buy the house but not the LLC, you risk losing the permit. We had an investor…
Read MoreMarket Update November 6, 2025
Here’s what’s happening right now in our Middle Tennessee housing market and why the timing might matter for what you’re thinking of doing next. Local Market Snapshot In the Nashville metro area, there were 3,356 home closings in July, which is about a 3 percent increase from the same period last year. Home values in Nashville are holding mostly…
Read MoreMarket Update October 31, 2025
What Happened With Powell and Rates Yesterday, Powell took a more hawkish tone in his comments. He emphasized that inflation remains a concern and that the economy continues to perform well. Because of that, the Federal Reserve isn’t in a rush to cut rates. That kind of language tends to make bond markets nervous, and…
Read MoreRefinancing Your Mortgage: How a Mortgage Broker in Nashville, TN Can Help You Save
In today’s fluctuating real estate market, homeowners in Nashville, TN are increasingly exploring refinancing as a strategic financial tool. Whether you’re looking to lower your monthly payments, consolidate debt, or pay off your loan faster, working with an experienced mortgage broker can make the process smoother and more beneficial. Why Consider Refinancing Your Mortgage?…
Read MoreHow an Out-of-State Investor Landed a 30A Vacation Rental Using a DSCR Loan
This investor lived over 2,000 miles away from Florida but had his eyes set on a short-term rental in 30A. He wasn’t new to real estate. He already owned a few long-term rentals in his home state but wanted to diversify with something he and his family could occasionally enjoy while still cash flowing through…
Read MoreOne client cut $16,788 per year in interest. Could you?
If you haven’t heard, mortgage rates are the lowest they’ve been in a year. That’s a big deal. Here’s what this has meant for some of my clients just this week: One client is saving $16,778 per year by moving into a 15-year fixed loan in the 5’s (and we covered all of his closing…
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