The Digital Deed

Unlocking Mortgage Opportunities: How Asset Depletion Can Help

Introduction Asset depletion — a type of Non-QM option also known as “asset dissipation,” helps borrowers get the home loan they need using the assets (not income) they currently have.  In this blog, we’ll explore the details surrounding asset depletion, examining what it is, who it benefits, how it’s used, requirements and more. Let’s dive […]

Interesting Facts About Interest-Only Loans

Date The Rate, Marry The Property Introduction Curious about interest-only loans? In this blog post, we’ll explore the ins and outs of interest-only loans, shedding light on their features, benefits, and considerations for borrowers. Here’s everything you need to know about how IO loans work and what to consider before applying for one.  What is an […]

Building a Strong Foundation: A Guide to Construction Loans

Introduction If you’re a real estate investor looking to fund the ground-up construction of a new investment property or doing a renovation to fix-and-flip or fix-and-hold, a construction loan might be for you. In this comprehensive blog post, we will explore the ins and outs of construction loans, examining how they work, their benefits, tips […]

A Guide To Foreign National Loans

Empowering Foreign Borrowers To Invest In United States Real Estate Introduction  Purchasing a home is a big step and usually a great investment for individuals who are not native to the United States. People from all over the world buy homes in the United States. In fact, international buyers purchase an average of over 100,000 […]

The DL on P&L Loans

Profit Loss Statement-Based Loan Qualification Introduction US business owners and self-employed individuals enjoy a distinct advantage under the US tax code. It permits them to offset portions of their taxable income through deductions – reducing their overall tax liability. However, they face challenges when applying for mortgages due to income documentation requirements that may not […]

Breaking Down Bank Statement Loans

Providing An Alternative Verification Method for Untraditional Borrowers Introduction Not everyone can provide traditional mortgage documentation. Borrowers who encounter situations like this often find themselves in need of a loan but are unable to qualify for one. The good news is that there are some alternatives, such as bank statement loans, that we will delve […]

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