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.
Buying a Home With Room for Mom
Planning for a parent to live with you? How to finance a home with an in-law suite, an ADU, an addition or a separate home for Mom in North and South Carolina.
Should I Sell My House or Refinance?
Staying, selling or keeping your home as a rental? How to compare a refinance, HELOC, sale or rental in NC and SC, including taxes and what you actually net.
Moving From Boston or Connecticut to the Charlotte Area in 2027: Homebuying Guide
More house for the money, lower property taxes and familiar attorney closings. What Boston and Connecticut buyers should plan for before buying in the Charlotte area.
Moving From Chicago to the Charlotte Area in 2027: Homebuying Guide
Lower property taxes, smaller transfer taxes and more house for the money. What Chicago-area buyers should plan for before buying a home in the Charlotte area.
Moving From Atlanta to the Charlotte Area in 2027: Homebuying Guide
Moving from Atlanta to Charlotte or Fort Mill? Here's what feels familiar, what changes with taxes and NC contracts, which areas fit and how to handle your Georgia home.
New Fannie Mae Rule Makes It Easier to Turn Your Current Home Into a Rental
Keeping your current home as a rental? Fannie Mae's new rule uses market rent instead of a signed lease. Here's how the 75% calculation and reserves work.
Buying in Charlotte Before Selling Your Home in Another State
Relocating to Charlotte with a home still to sell? Learn how to qualify with two payments, use equity, handle contingencies and time both closings.
Can You Use Rental Income to Qualify?
Rental income may help you qualify for a mortgage, but lenders typically use specific calculations and documentation rather than simply accepting the full rent. Learn how income from existing rentals, new investment properties, house hacking, departing residences, short-term rentals, and DSCR loans may be treated.
Can I Buy a House Before Selling Mine? A Move-Up Buyer's Guide for NC and SC
Buying a new home before selling yours? Learn how lenders count both mortgages, ways to fund the down payment, and what changes if you keep your current home as a rental.
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.
Best Places to House Hack in Charlotte
Where house hacking makes the most sense around Charlotte: Rock Hill, Gastonia, Concord, the University area and more, plus how to finance a duplex or room rental.
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.
House Hacking: One of the Smartest Ways to Start Building Wealth Through Real Estate
House hacking lets your first home help pay for itself. Three ways to do it, the FHA, conventional and VA rules for 2–4 units, and how much rental income can count.