Mortgage Guide

In just 6 minutes, we break down the pros and cons of flipping vs. holding a mortgaged property in today's market. With rising rates, shifting buyer demand, and tighter lending conditions—what's the smarter move in 2025? Get a quick, no-fluff analysis to help guide your next real estate decision. *Recorded LIVE on TikTok* follow @mortgagebyadam on tiktok and youtube Schedule a call with me here: h...

In this episode, we break down how refinancing a mortgage is still possible, even with bad credit. If you think low credit scores rule out refinancing, think again. We'll explore practical tips, alternative options, and expert advice to help you understand how to improve your chances and navigate the process successfully. Tune in to learn how you can still take control of your mortgage, regardless...

In this episode, we dive into the world of rental portfolio loans, exploring what they are and how they can benefit real estate investors. A rental portfolio loan allows property owners to consolidate multiple rental properties under one loan, making it easier to manage and potentially offering better terms. We’ll discuss how this type of financing can save time, reduce paperwork, and streamline c...

In this TikTok Livestream recap, we dive deep into DSCR loans—explaining how they work, who they’re for, and why they’re a game-changer for real estate investors looking for hassle-free financing.

In this recap of the TikTok Livestream, we explore DSCR loans—no tax returns required. Learn how this alternative financing option works, who it benefits, and how it can simplify the funding process for real estate investors.

Getting a DSCR loan as a real estate investor without tax returns is a great way to accomplish your investment goals, if you have been told that you do not qualify for a mortgage because of your income situation. Schedule a call here: https://calendly.com/lesnerap63/30min If you want to be a part of the next live, please feel free to follow me on tiktok, just search mortgagebyadam or Adam Lesner....

Covering everything you need to know about DSCR loans. You're welcome to schedule a call anytime here: https://calendly.com/lesnerap63/30min More on DSCR loans here: https://BalanceProcess.com/dscr-loan-program/ Be sure to subscribe and follow on tiktok ‎@MortgagebyAdam so you can be a part of the lives in the future. Semper Fidelis

Today's recap on everything you need to know about getting a no tax return mortgage via DSCR loan or bank statement loan. Schedule a call with me directly here: https://calendly.com/lesnerap63/30min If you want to be a part of the next live be sure to follow @mortgagebyadam on tiktok More on no tax return mortgage loans here: https://balanceprocess.com/mortgage-without-2-years-tax-returns/ Subscri...

Today we go deep into the 6 best options available if you're looking to get approved for a mortgage without having to provide 2 years of tax returns. Everything I covered here: https://balanceprocess.com/mortgage-without-2-years-tax-returns/ Subscribe on youtube here: https://youtu.be/0O7yQ7hiUUk

Today we cover the 5 most important things you need to know about getting a cash out refinance with a DSCR loan. Everything I covered here: https://balanceprocess.com/dscr-cash-out-refinance/ Full video here: https://youtu.be/QZ1NmIZoWAQ

In today's episode we cover the ultimate tenant management software with the co-founder and CEO of Lendlord, Aviram Shahar. For access to all the premium features on Lendlord, free for three months, go here: https://lendlord.io/adam-lesner

Analyzing a real estate investment deal. Premium LendLord features: https://lendlord.io/adam-lesner-us Everything I covered here: https://balanceprocess.com/real-estate-deal-analyzer/

Today we cover everything you need to know about getting approved for the 2 best asset depletion mortgage loan options available in today's market. Learn more here: https://balanceprocess.com/asset-depletion-mortgage/ Subscribe on YouTube: https://youtu.be/GaHv05Jcos0

On today's episode I just wanted to give some love to a couple companies that have made my life and business easier. Kind Lending and Floify. Grateful for the things that are going right, and grateful for the people who handle their business with care.

I'm excited to share our latest in-depth exploration into the world of FHA loans, with a spotlight on the role of non-occupant co-borrowers. This piece dives deep into understanding how you can aid a potential homeowner, even without residing in the property. In this guide, you'll uncover: The intricacies of FHA loans The pivotal role non-occupant co-borrowers play Best practices and crucial point...

In today's episode I cover what you need to keep in mind if you're trying to get an FHA loan and you have 500 credit. Link to everything I covered here: https://balanceprocess.com/fha-loan-with-500-credit-score/

Today we cover everything you need to know about getting approved for a cash out refinance with bad credit. Everything I covered here: https://balanceprocess.com/cash-out-refinance-in-texas-with-bad-credit/

When your debt to income ratio is high, it’s important to know what options you have when looking to purchase or refinance your home.  Your options are: FHA Loan, VA Loan, CDFI Loan, Asset Based Mortgage Today I cover everything you need to know about each option to help you figure out which makes the most sense for you.  Link to everything I covered: https://balanceprocess.com/high-debt...

Today we cover exactly how to get approved for a mortgage if you have been self employed for less than 1 year. A traditional loan will not be an option if you have been self-employed less than a year.  It will be done on a no income verification loan.  The loan approval is based on credit and assets. Available on home purchase and refinance.  You’ll need to work with a loan officer...

If you have been told you do not qualify for a mortgage due to your income or employment history, a no income verification mortgage loan is the solution.  These are available for primary residence and 2nd homes, and can be done on a purchase or refinance.  This loan option is for well qualified borrowers with good credit, and strong verifiable assets.  Here is everything you need to...

Today I met with real estate investor Tyler Atchison, who shares how he got started with investing in rental property as a beginner.  Tyler's story is a perfect example of how anyone with grit and creativity can accomplish their real estate investing goals.  There are so many ways to start investing in rental property for beginners, and I think Tyler's approach is probably one of the mos...

Business owners and 1099 private contractors - Did you know, with a 12 month bank statement mortgage, you can get approved based on average bank deposits, NOT tax returns? With a 12 month bank statement mortgage, tax returns are not required.  Your income is calculated based on 12 month deposits.  Here is everything you need to know about getting approved for a 12 month bank statement mo...

Today we cover what you need to know about getting approved for a VA loan if you have a low credit score. Link to everything I covered: https://balanceprocess.com/va-loan-low-credit-score/ Subscribe on Youtube: https://youtu.be/MWfvcDvp3uI

How to get approved for a rental property mortgage with no employment history or personal income With a Debt Service Coverage Ratio (DSCR) loan, there is no verification of personal income.  The approval is done based on property cash flow, not personal income.  You still need to meet credit and asset requirements, but the process is extremely simplified by not having to get tax returns,...

Today we have special guest David Corwin with USDA, here to tell us exactly why a USDA Construction Loan is a great option to consider (instead of buying an existing home) in today's market. Important links below USDA Income Limits: https://eligibility.sc.egov.usda.gov/eligibility/incomeEligibilityAction.do?pageAction=state Property Location Eligibility: https://eligibility.sc.egov.usda.gov/eligib...