Real Wealth Show: Real Estate Investing Podcast Housing Market Update: Rates, Inventory & Home Prices with Mike Simonsen
May 8, 2025
In this engaging discussion, Caeli Ridge, a seasoned lender specializing in real estate investors, shares insights on today’s mortgage rates and loan types. She unpacks the differences between conventional and non-QM loans. Ridge explains the nuances of debt service coverage ratio (DSCR) loans and how the All-In-One loan is becoming a favorite for seasoned investors. Listeners will learn when refinancing is beneficial and strategies for making smart borrowing decisions tailored to individual financial goals.
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Start with Conventional Loans
- Start with conventional loans backed by Fannie Mae and Freddie Mac.
- These "golden tickets" offer the best interest rates and highest leverage for investors.
Understanding Conventional Loans
- Conventional loans, aka agency loans or golden tickets, are backed by the government.
- This backing results in lower interest rates because of reduced risk for lenders.
Maximize Golden Tickets
- Couples investing together should separate debt obligations.
- This maximizes the number of "golden tickets" each individual can use (10 per person).
