Scott Gibson

In this article Understanding your debt-to-income (DTI) ratio is crucial for making wise investment decisions. Your DTI impacts your ability to qualify for loans, lock in low interest rates, and take advantage of the best financial deals. A high DTI ratio means you are carrying a lot of debt and are a potential risk to

In this article The APR (annual percentage rate) on a loan is the total cost of borrowing money. Understanding APR is crucial when applying for a mortgage, personal loan, credit card, or real estate loan. The percentage amount greatly impacts the total cost of your loan. Therefore, comparing APRs is the most effective method to

In this article Do you want to maximize real estate investment returns, diversify your portfolio, and build wealth? The secret is to use leverage in real estate investing.  Leverage is a valuable tool that uses other people’s money to buy property. This strategy allows you to find more lucrative investment opportunities while protecting your liquid

In this article A jumbo loan is a type of mortgage used to finance real estate that exceeds traditional conforming loan limits. Also called a jumbo mortgage, jumbo loan limits are higher than those set by the Federal Housing Finance Agency (FHFA). Therefore, jumbo loans are popular with investors purchasing higher-priced properties or homes in

In this article Hard money lending can be an excellent way for real estate investors to build wealth. If you have a high income, excess cash in the bank, and experience in real estate investing, you could offer investors private money loans. Becoming a hard money lender in real estate can provide high gains and