After 35 years in this business, getting that information into my clients' hands is the most valuable thing I can do.
The mortgage loan you pick can disqualify a vacation rental cost segregation strategy before your CPA ever sees it. How second home, investment property, and DSCR financing change the tax outcome in Sonoma County and Palm Springs.
Estate attorney Ruby Steinbrecher on the two things unmarried buyers should settle before they sign: a partnership agreement in writing, and how they hold title. Plus why joint tenancy, the option most couples choose, only solves half the problem.
Bank statement loans are just one option for self-employed buyers. Learn how profit and loss loans, asset depletion, asset-based lending, DSCR, and short-term rental financing can qualify you when your tax return doesn’t tell the whole story.
House hacking lets first-time buyers purchase a duplex with as little as 3.5% down and use rental income from the second unit to help qualify and offset the mortgage. CJ Kerls explains how it works. NMLS #243438
Using a 401k down payment to buy a home is possible — but should you? CJ Kerls breaks down loans vs. withdrawals, real tax costs, and when it makes sense. NMLS #243438.
The gift tax exclusion is one of the most misunderstood tools for families helping a child buy a home. Here’s how it works and what limits apply.
Learn about the critical Prop 19 exemptions that allow beneficiaries to maintain lower property tax rates and the one-year deadline for moving into inherited property.
Self-employed borrowers aren’t disqualified by their income. They’re disqualified by their documentation. CJ Kerls explains how bank statement loans fix that. NMLS #243438.
Using home equity to protect your low mortgage rate and put your equity to work in the right places. CJ Kerls breaks down the smart uses of a HELOC or home equity loan, and what to avoid. NMLS #243438.
