Why the 30-Year Mortgage Rate Sits Two Points Above the 10-Year Treasury
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.
Karim Al-RashidFinance
How investment property gets funded: loan products, underwriting criteria, debt service coverage, refinancing windows and the cost of borrowing short.
Depreciation and Cost Segregation on Rental Property: The Mechanics, Plainly
Residential rental buildings depreciate over 27.5 years on a straight line, cost segregation shortens the schedule for qualifying components, and every dollar claimed is recaptured at sale.
Peter Almeida
Closing Costs on Investment Purchases: An Itemized Look for Landlords
Investment-property closings stack lender, title, transfer, and inspection charges on top of the purchase price — and several of the items price higher than on owner-occupied files.
Karim Al-Rashid
HELOC vs Home Equity Loan as a Down Payment Source: Risks Laid Out
Borrowing against a primary residence to fund a rental down payment is a leverage stack, and the two instruments differ in rate structure, draw mechanics, and what happens when markets turn.
Karim Al-Rashid
Fixed vs ARM on Rental Debt: Hedging Interest Rate Risk With Numbers
A fixed-rate loan is insurance against payment shock priced into the rate; an adjustable-rate mortgage sells that insurance back and pays the investor for the risk.
Peter Almeida