Should I Pay Points to Buy Down My Mortgage Rate?
Is paying points to lower your mortgage rate worth it? Learn how discount points work, how to calculate your break-even point, and why your monthly payment, future refinancing plans, and seller credits should all factor into your decision.
Let the Rent Help Pay the Mortgage
Rental income can help you qualify for a 2–4 unit property—but lenders don’t always count it the way buyers expect. Learn how the 75% calculation works, when tax returns are required, and how FHA and conventional rules differ.
The Complete Guide to Financing a 2–4 Unit Property
Thinking about buying your first home? A 2–4 unit property could be one of the smartest financial decisions you make. Learn how owner-occupied multi-unit financing works, compare FHA and conventional loan options, and discover how rental income can help you build long-term wealth.