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.
insights INSIGHT
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.
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Maximize Golden Tickets
Couples investing together should separate debt obligations.
This maximizes the number of "golden tickets" each individual can use (10 per person).
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Wondering how today’s mortgage rates and loan types could impact your next real estate investment? In this episode of The Real Wealth Show, host Kathy Fettke and guest Caeli Ridge unpack the current lending landscape and what it means for investors looking to grow their portfolios.
They break down the differences between conventional and non-QM loans, how to navigate beyond conforming loan limits, and why the All-In-One loan is gaining traction among experienced investors. You’ll also learn how debt service coverage ratio (DSCR) loans work, when refinancing makes sense, and how to make smart borrowing decisions based on your unique financial goals.
DISCLAIMER The views and opinions expressed in this podcast are provided for informational purposes only, and should not be construed as an offer to buy or sell any securities or to make or consider any investment or course of action. For more information, go to www.RealWealthShow.com
Real Wealth Show: Real Estate Investing Podcast 