Have Questions? We’ve Got Answers

Get pre-approved for financing. Sellers take you more seriously when you already have a loan pre-approval in place.

Not always. If you qualify to carry both loans, you may buy first. Otherwise, selling first protects your finances.

While not legally required, an agent provides comps, negotiates, and ensures contract compliance.

Expect 2–5% of the purchase price, including escrow, title, recording, and lender fees.

Yes, lenders require a Uniform Residential Appraisal (Form 1004) to confirm value 

You may renegotiate, add cash, or dispute the appraisal with comps.

Down payments are typically higher (20–25%) and interest rates are less favorable.

Yes, inspections protect buyers by revealing hidden issues before closing.

A CMA is an agent-prepared report showing market value based on comparable sales.

Yes, investment real estate can be exchanged tax-deferred if IRS rules are followed.

The SAFE Act requires all MLOs to be licensed through the NMLS, ensuring consumer protection .

Conventional: 5–20%. FHA: 3.5%. VA/USDA: 0% (eligibility applies).

Closing costs include loan origination fees, appraisal, credit report, title insurance, escrow fees, and prepaid taxes/insurance. They typically range from 2–5% of the purchase price.

Yes. Lenders require a licensed appraiser to confirm the property’s fair market value. This protects both the lender and borrower.

You can renegotiate the purchase price, bring in extra cash to cover the gap, or cancel if your loan contingency allows.

Investors may use DSCR loans, non-QM products, or conventional financing, depending on income, credit, and property type.

The Loan Estimate is a federally required disclosure under TRID. It shows loan terms, projected payments, and closing costs — delivered within 3 business days of application.

Private Mortgage Insurance (PMI) is required if your down payment is less than 20% on a conventional loan. FHA loans require MIP regardless of down payment.

Yes. Many investors refinance to pull equity, reduce interest rates, or transition to a long-term fixed mortgage after construction.

Your credit score impacts loan approval, rate, and terms. Scores above 740 get the most favorable rates, while lower scores may require higher down payments or alternative loan programs.

We act as the owner’s representative — overseeing budgets, schedules, contractors, and compliance to protect your capital.

We use detailed Material Takeoff (MTO) spreadsheets and lender draw schedules to track costs against the approved construction budget.

Yes. As licensed MLOs, we coordinate with lenders on inspections, draw requests, and compliance with loan covenants.

Scope covers vendor coordination, quality control, permitting, lender reporting, and schedule management — all aligned with owner objectives.

Through strict contractor vetting, performance bonds, insurance verification, and compliance with building codes and zoning regulations.

Yes. All change orders are tracked, cost-verified, and approved through an owner review process to avoid budget overruns.

We use weekly site inspections, milestone checklists, and third-party reports (engineer or inspector) to confirm work meets code and contract standards.

Yes. We coordinate with local planning and building departments to secure permits and manage inspections for compliance.

We integrate tools like Procore, Buildertrend, and lender portals to manage documents, timelines, and cost reporting transparently.

Yes. We manage buildouts, ensure compliance with local STR ordinances, and prepare the property for lender-required occupancy standards.