Carolina Mortgage Insights with Paul Mattos
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Buying a Rental in an LLC vs. Your Personal Name
Want your rental in an LLC? Which loans allow it, why your personal credit still counts, and how transferring to an LLC after closing works with conventional loans.
Can You Get a Mortgage After Writing Off Too Much Income?
Business deductions lowered the income on your tax returns? Learn how lenders review self-employed earnings and when a bank statement loan may be worth comparing.
How Commission Income Is Calculated for Mortgages
Yes, you can qualify for a mortgage with commission income. Learn how lenders average W-2 and 1099 commissions, handle rising or falling pay and what to prepare.
Can Truck Drivers Qualify for a Mortgage?
Truck drivers can qualify for mortgages, but W-2 drivers, mileage-paid employees, lease operators, and owner-operators require different income calculations. Learn how lenders review trucking income, deductions, deposits, and truck payments.
Mortgage Options for Business Owners
Business owners may qualify with conventional, bank statement, 1099, P&L, asset-depletion or DSCR loans. Learn how lenders calculate income.
Can 1099 Workers Qualify for a Mortgage?
1099 workers can qualify for traditional or alternative-documentation mortgages. Learn how lenders calculate income, expenses, history and affordability.
Can Self-Employed Borrowers Get a Mortgage?
Yes, you can get a mortgage when you're self-employed. See how lenders figure business income, what documents to gather, and when bank statement loans make sense.
Investment Property Loans in Charlotte: Conventional, DSCR and Other Options for Investors
Buying a rental in Charlotte? Compare conventional investment loans and DSCR loans, down payments, reserves, house hacking and how NC and SC tax rentals differently.
South Carolina Non-QM Loans: What They Are and Who They're For
Self-employed, investing in rentals, or need an interest-only option? Here's how non-QM loans work in South Carolina, the main types, and what to compare before you apply.