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    <title>Toor News — Finance</title>
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    <description>How investment property gets funded: loan products, underwriting criteria, debt service coverage, refinancing windows and the cost of borrowing short.</description>
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    <lastBuildDate>Thu, 03 Sep 2026 04:18:54 GMT</lastBuildDate>
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      <title>What a 7 Percent Mortgage Does to Small-Landlord Math: A Worked Example</title>
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      <description><![CDATA[A $560 payment rise becomes an $860 break-even rent rise once costs scale. A worked example of small-landlord arithmetic at 4 versus 7 percent financing.]]></description>
      <pubDate>Wed, 26 Aug 2026 08:57:53 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
      <category>Finance</category>
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      <title>Why the 30-Year Mortgage Rate Sits Two Points Above the 10-Year Treasury</title>
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      <description><![CDATA[The gap was 200 basis points on the most recent published figures. A Boston Fed paper attributes most of it to the borrower's free right to refinance.]]></description>
      <pubDate>Fri, 14 Aug 2026 08:51:29 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
      <category>Finance</category>
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      <title>Depreciation and Cost Segregation on Rental Property: The Mechanics, Plainly</title>
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      <description><![CDATA[Rental buildings depreciate over 27.5 years; cost segregation accelerates components under restored bonus depreciation. Mechanics and recapture, plainly.]]></description>
      <pubDate>Mon, 11 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
      <category>Finance</category>
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      <title>Closing Costs on Investment Purchases: An Itemized Look for Landlords</title>
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      <description><![CDATA[Closing costs on investment purchases commonly run 2 to 5 percent. An itemized walkthrough of lender, title, transfer, and inspection charges.]]></description>
      <pubDate>Mon, 27 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
      <category>Finance</category>
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      <title>HELOC vs Home Equity Loan as a Down Payment Source: Risks Laid Out</title>
      <link>https://toornews.com/finance/home-equity-loan-vs-heloc-for-down-payments/</link>
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      <description><![CDATA[Using home equity for a rental down payment stacks a second lien on your residence. HELOC versus home equity loan, with the risks laid out plainly.]]></description>
      <pubDate>Tue, 14 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
      <category>Finance</category>
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      <title>Fixed vs ARM on Rental Debt: Hedging Interest Rate Risk With Numbers</title>
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      <description><![CDATA[Fixed versus ARM on rental property is a hedge decision. Caps, margins, SOFR resets, and the stress test that decides the file, with sourced figures.]]></description>
      <pubDate>Tue, 31 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
      <category>Finance</category>
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      <title>Construction-to-Permanent Loans: Interest Reserves Explained for Investors</title>
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      <description><![CDATA[An interest reserve pays a construction loan's interest from loan proceeds during the build. How one-time-close loans, draws, and reserves work.]]></description>
      <pubDate>Tue, 17 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
      <category>Finance</category>
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      <title>Portfolio Loans vs Agency Mortgages for Five-Plus-Unit Investors</title>
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      <description><![CDATA[Past four units or ten financed properties, rental investors leave the agency market for portfolio lenders. Terms, ceilings, and trade-offs compared.]]></description>
      <pubDate>Wed, 04 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
      <category>Finance</category>
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      <title>How Lenders Count Rental Income When Qualifying a Mortgage</title>
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      <description><![CDATA[Lenders count 75 percent of lease or appraised rent on new purchases and Schedule E on held properties. Here is how the math decides files.]]></description>
      <pubDate>Wed, 18 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
      <category>Finance</category>
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      <title>Cash-Out Refinancing a Rental: LTV Caps, Rates, and Seasoning Rules</title>
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      <description><![CDATA[Agency cash-out on rentals caps at 75 percent LTV with six-month seasoning. A clear look at rates, delayed financing, and the spread test.]]></description>
      <pubDate>Wed, 04 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
      <category>Finance</category>
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      <title>FHA and Conventional Loans on Owner-Occupied Two-to-Four-Unit Rentals</title>
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      <description><![CDATA[FHA allows 3.5 percent down and conventional 5 percent down on owner-occupied two-to-four-unit rentals. Here is how each program qualifies the rent.]]></description>
      <pubDate>Thu, 22 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
      <category>Finance</category>
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      <title>DSCR Loans Explained: How Lenders Size Rental Debt Without Tax Returns</title>
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      <description><![CDATA[DSCR loans qualify rental purchases on property cash flow, not tax returns. How the ratio, minimums, rates, and equity terms work, with sourced figures.]]></description>
      <pubDate>Thu, 08 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
      <category>Finance</category>
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