Carolina Mortgage Insights with Paul Mattos
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Cash-Out Refinance on a Rental Property
Want to pull equity from a rental to buy your next one? How much you can take out, seasoning rules, conventional vs. DSCR cash-out and when a HELOC fits better.
Using a 1031 Exchange With Financing
Selling a rental and buying another with a 1031 exchange? How replacement financing works, from replacing your debt to the 45- and 180-day deadlines and DSCR options.
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.
DSCR Loan Prepayment Penalties Explained
Most DSCR loans have a prepayment penalty. How step-down, flat and six-month-interest penalties work, what triggers them and how to match the term to your plan.
DSCR vs Conventional Investment Loans
Compare DSCR and conventional investment loans, including income documentation, rental calculations, rates, fees, down payments, reserves, LLC ownership, portfolio limits, and prepayment penalties. Learn which financing strategy may fit your rental property and long-term investment goals.
What Credit Score Is Needed for a DSCR Loan?
There is no universal DSCR loan credit-score minimum. Learn how lenders weigh credit alongside rental coverage, down payment, reserves, and property details.
Can You Buy an Airbnb Property With a DSCR Loan?
You may be able to finance an Airbnb with a DSCR loan. Learn how lenders assess short-term rental income and what to verify before buying.
How Investors Finance Multiple Rental Properties
Buying another rental takes more than a down payment. Compare conventional, DSCR, equity, and portfolio financing as your property count and reserve needs grow.
Can LLCs Buy Investment Properties?
An LLC can own rental property, but the financing must permit entity ownership. Learn how DSCR loans, guarantees, title, reserves, and documents work.
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.
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.
Can You Pay Off a Mortgage Early? A 2026 Guide for NC and SC Homeowners
Can you pay off a mortgage early? Learn how extra principal payments, biweekly plans, and refinancing work—and what to check before paying off your loan.
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.