by Eric Krattenstein | Mar 23, 2026 | Market Analysis, Non-QM Lending
A well-constructed rehab budget is the foundation of successful fix and flip financing—it demonstrates project viability to lenders, guides contractor negotiations, and provides the roadmap for draw requests throughout renovation. For brokers helping investors secure...
by Eric Krattenstein | Mar 16, 2026 | DSCR Insights, Market Analysis, Non-QM Lending
Every fix and flip project reaches a decision point: sell the renovated property for immediate profit or refinance into a rental loan and build long-term wealth through cash flow and appreciation. For brokers advising investor clients, understanding when each exit...
by Eric Krattenstein | Mar 9, 2026 | Market Analysis, Non-QM Lending
After repair value (ARV) is the foundation of every fix and flip transaction—it determines maximum loan amount, shapes deal economics, and ultimately decides whether a flip succeeds or fails. For brokers originating fix and flip loans, understanding how ARV is...
by Eric Krattenstein | Mar 2, 2026 | Non-QM Lending
Fix and flip loans represent one of the highest-value opportunities in wholesale mortgage—with average loan amounts exceeding $300,000 and repeat borrowers who need financing for multiple projects annually. For brokers who master this product category, fix and flip...
by Eric Krattenstein | Feb 16, 2026 | DSCR Insights, Non-QM Lending
Maximizing Qualifying Income for Bank Statement Borrowers The expense ratio applied to a bank statement loan can swing qualifying income by 20-40%, making expense ratio optimization one of the most powerful levers brokers have for getting self-employed borrowers...
by Eric Krattenstein | Feb 9, 2026 | DSCR Insights, Non-QM Lending
Bank statement loans offer two distinct qualification paths—personal statements and business statements—each with unique advantages depending on your borrower’s business structure, income flow, and documentation availability. Choosing the right path can mean the...
