In recent years, a fairly new loan product: Debt Service Coverage Ratio (DSCR) loans, has become enormously popular with real estate investors. DSCR loans have become a critical tool for investors on track to achieve their dreams of financial freedom.
These loans, meant specifically for investment properties only, are so effective and popular because they require no income verification (or Debt-To-Income Ratio) and no tax returns or endless paperwork. Further — while the qualification and documentation are much less than conventional mortgages — the interest rates are just barely higher (typically less than 1% more). These loans offer fixed rates for 30 years, including options where it’s interest-only for the first 10 years, so you avoid the payoff and refinance pressure that often comes with hard money alternatives.
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860 - DSCR Loans: What Are They And How To Get The Best Terms by Robin Simon

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Setting up an emergency fund is one of the fundamental pillars of financial well-being. And yes, saving can be hard, especially in 2024. According to a recent poll by Bankrate, many of us are saving less, with the majority (63%) saying that recent high inflation means they’re able to save less than before. As of 2024, only 44% of Americans could pay for an emergency expense of $1,000 or more from their savings. The majority would rely on credit cards, payment plans, or cutting spending elsewhere.
However, not everyone’s situation is quite as dire. About a third of us (30%) report having more savings this year than last year. And millennials are not doing so badly, with 35% of this generational group saying that they have more savings than they did a year ago. So, some of us are on the right track. 
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1302 - Emergency Fund: How Much Do You Really Need in 2024? By Anna Cottrell

Denver’s housing market is on fire—at least according to a U.S. News analysis of December 2023 data from the U.S. News Housing Market Index, which includes multiple indicators of housing supply and demand, along with financial health measures. A healthy job market, low rental vacancy rates, and a low housing supply that keeps rents from falling may make Denver an attractive market to investors as well, U.S. News reports, despite its high home prices relative to the national median. 
Several more of the top 20 housing markets ranked by U.S. News were also located in Colorado, and three were located in North Carolina. Multiple markets in Texas and Florida also made the list, consistent with recent migration trends into these states. 
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1301 - U.S. News Listed Its 20 Hottest Real Estate Markets—Should You Invest in Any of Them? By Lindsay Frankel

When buying rental real estate, where you buy now matters just as much as getting a great deal. Matt Myre, managing editor of the BiggerPockets Blog , shares today’s Headlines about states that are becoming unapproachable for investors due to their politics and what you should look for when trying to avoid bad policies. There are really two main points that contribute to the issue with these states.high taxes and stringent regulations.
Meanwhile, other markets are looking to improve zoning, making a big difference in how cities have developed, and how they are currently priced.When choosing a market to invest in, these are major considerations for new and experienced investors.
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1300 - Headlines: Uninvestable Markets, How to Avoid Them and Big Zoning Law Changes May Help Investors  by Matt Myre

Berkshire Hathaway CEO Warren Buffett’s much-anticipated annual letter to investors is out. As is customary for the maverick investor, it’s peppered with headline-grabbing statements about Buffett’s disdain for investment advisors and unearned wealth. 
But setting the flashy statements aside, Buffett’s latest letter contains some very valuable information. It’s worth paying attention to, even if you are at the very beginning of your investment journey because it concerns the future of one of the biggest, traditionally most profitable segments of the investment market. 
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1299 - Warren Buffett’s Berkshire Hathaway Records Rising Profits From Insurance Businesses—But Utilities Profits Are Down by Anna Cottrell

Purchasing a home is an extraordinarily expensive process, especially once you add up the down payment, closing costs, and potential relocation expenses. And once you’ve acquired the home, you still need to consider the ongoing taxes, mortgage payments, and associated costs like HOA fees, insurance, and home maintenance costs.
Many people understandably wonder what costs and expenses could be tax-deductible and what additional taxes they may need to pay as part of the homebuying and ownership process. 
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860 - DSCR Loans: What Are They And How To Get The Best Terms by Robin Simon

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