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Cash Flow & Common Sense
In this episode of The Property Playbook, host Peter Carlseen sits down with mortgage veteran Cristen Carver— with 40 years in the industry and zero tolerance for nonsense—to unpack loan options for landlords and investors. They cover everything from conventional investment loans (20–25% down) to FHA and VA programs that let buyers snag up to four units with low down payments—so long as they live in one. VA loans are especially generous, while FHA comes with a few more hoops. Rates? Government loans are surprisingly competitive, while conventional loans run a bit higher. In short: there’s more than one way to finance your real estate empire.
They also dive into alternative lending—without returning to the wild west of “fog-a-mirror” loans from 2008. Today’s options include DSCR loans based on property cash flow, bank statement loans for the self-employed, 1099-only qualification, and even true no-income loans (with solid credit and assets). Rates vary widely depending on risk, but there’s flexibility for investors with complex finances. Outside pricey San Diego, buyers are eyeing states like Georgia and the Carolinas, chasing affordability—and maybe the next big port boom.
The conversation wraps with market reality checks and cautionary tales. Many homeowners are “rate locked” in the golden era of 2–3% mortgages and reluctant to move. Cristin warns against flashy temporary rate buydowns that feel great for a year—until they don’t. Her approach is refreshingly practical: slow down, run the numbers, and don’t let excitement (or quartz countertops) dictate a $9,000 mortgage payment. Whether it’s reverse mortgages for equity-rich seniors or first-time buyers navigating down payment programs, the message is clear: understand the math, plan for today—not for a hypothetical refinance fairy—and make decisions you can sleep on.
You can reach our guest, Cristen Carver at 619-993-9623
Got a rental property? Find out why hundreds of landlords have trusted Praecelsus Property Management, Inc with their investment properties.
You can learn more at www.PraeHomes.com or better yet, contact Peter Carlseen directly for a free consultation at 877-772-3466 ext 7 or email [email protected]
If you're in San Diego County, chances are, we can help you! And if you're property is located anywhere else in the world, we can get you connected through our established network of trusted professionals.
In the meantime, hit LIKE and SUBSCRIBE and be sure to listen to all of our episodes!
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By Peter CarlseenIn this episode of The Property Playbook, host Peter Carlseen sits down with mortgage veteran Cristen Carver— with 40 years in the industry and zero tolerance for nonsense—to unpack loan options for landlords and investors. They cover everything from conventional investment loans (20–25% down) to FHA and VA programs that let buyers snag up to four units with low down payments—so long as they live in one. VA loans are especially generous, while FHA comes with a few more hoops. Rates? Government loans are surprisingly competitive, while conventional loans run a bit higher. In short: there’s more than one way to finance your real estate empire.
They also dive into alternative lending—without returning to the wild west of “fog-a-mirror” loans from 2008. Today’s options include DSCR loans based on property cash flow, bank statement loans for the self-employed, 1099-only qualification, and even true no-income loans (with solid credit and assets). Rates vary widely depending on risk, but there’s flexibility for investors with complex finances. Outside pricey San Diego, buyers are eyeing states like Georgia and the Carolinas, chasing affordability—and maybe the next big port boom.
The conversation wraps with market reality checks and cautionary tales. Many homeowners are “rate locked” in the golden era of 2–3% mortgages and reluctant to move. Cristin warns against flashy temporary rate buydowns that feel great for a year—until they don’t. Her approach is refreshingly practical: slow down, run the numbers, and don’t let excitement (or quartz countertops) dictate a $9,000 mortgage payment. Whether it’s reverse mortgages for equity-rich seniors or first-time buyers navigating down payment programs, the message is clear: understand the math, plan for today—not for a hypothetical refinance fairy—and make decisions you can sleep on.
You can reach our guest, Cristen Carver at 619-993-9623
Got a rental property? Find out why hundreds of landlords have trusted Praecelsus Property Management, Inc with their investment properties.
You can learn more at www.PraeHomes.com or better yet, contact Peter Carlseen directly for a free consultation at 877-772-3466 ext 7 or email [email protected]
If you're in San Diego County, chances are, we can help you! And if you're property is located anywhere else in the world, we can get you connected through our established network of trusted professionals.
In the meantime, hit LIKE and SUBSCRIBE and be sure to listen to all of our episodes!