Home Loans By Dom - NMLS 323455

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Home Loans By Dom - NMLS 323455 Dominic Gonzalez NMLS ID # 323455

My goal for this page is simple...provide meaningful and educational content with the occasional chuckle sprinkled in.📖 🤣 🎥
As a loan originator, the goal is a transparent mortgage experience and ⭐️⭐️⭐️⭐️⭐️ customer service EVERY.SINGLE.TIME.

10/23/2026

A major shift is coming for mortgage refinancing and homeownership expenses. New policy proposals aim to reduce fees and offer alternatives for title insurance and appraisals. While these changes look promising, implementation depends on upcoming federal reviews. Stay tuned to see how this impacts your wallet.

DSCR = rent ÷ total payment. At 1.0, the property breaks even and most lenders say yes. Above 1.0, better terms. Below i...
10/22/2026

DSCR = rent ÷ total payment. At 1.0, the property breaks even and most lenders say yes. Above 1.0, better terms. Below it, expect a bigger down payment or a better deal.

Stop guessing. My rent planner runs your ratio in 2 minutes. Comment DSCR and I'll DM it.

The deal was fine. The file wasn't.Missing leases, wrong entity docs, insurance that doesn't meet guidelines. That's wha...
10/21/2026

The deal was fine. The file wasn't.

Missing leases, wrong entity docs, insurance that doesn't meet guidelines. That's what actually kills DSCR approvals. I put the full document checklist inside our free community.

Comment DSCR and I'll send you the invite + the checklist.

Most investors run their numbers on full rent. DSCR lenders don't. They haircut your rental income, and if your ratio di...
10/19/2026

Most investors run their numbers on full rent. DSCR lenders don't. They haircut your rental income, and if your ratio dips under 1.0, the deal dies.

I built a rent planner that shows your REAL qualifying number in 2 minutes.

Comment DSCR and I'll DM it to you.

You can start organizing a rental deal before every number is settled. 🧮Record the lease rent and appraisal market rent ...
10/13/2026

You can start organizing a rental deal before every number is settled. 🧮

Record the lease rent and appraisal market rent separately. Mark anything you still need to confirm, including the program's qualifying rent and required payment.

Then use the worksheet questions to note what still needs checking in the operating budget. A visible unanswered question is more useful than a number you entered just to fill the space.

Comment DSCR for the free fillable rent planner and full guide inside the Home Loans by Dom community.

🧮 Here's how I'd use the rent planner on a property I'm evaluating.First, record the lease rent and appraised market ren...
10/13/2026

🧮 Here's how I'd use the rent planner on a property I'm evaluating.

First, record the lease rent and appraised market rent separately. Confirm the program's qualifying rent and required payment. Then calculate the planning ratio.

Next, answer the question the ratio doesn't settle: what does the rental need for vacancy, repairs, management, and other operating costs?

The point is to see which numbers are supported and which assumptions still need work.

Comment DSCR for the free fillable rent planner and full guide inside the Home Loans by Dom community.

Before you send a rental-property file for review, separate what you have from what you still need. 📄Start with the leas...
10/11/2026

Before you send a rental-property file for review, separate what you have from what you still need. 📄

Start with the lease or other rental evidence, tax figures, insurance information and any HOA costs. Mark anything that's missing or still an estimate so it doesn't get treated as confirmed.

The document organizer and readiness checklist give you a place to work through those gaps. Confirm the final requirements for the property, ownership arrangement and loan program.

Comment DSCR for the free full guide, fillable document organizer and readiness checklist inside the Home Loans by Dom community.

📄 Before the rental numbers can be reviewed, someone needs to be able to verify them.Gather the current lease or availab...
10/10/2026

📄 Before the rental numbers can be reviewed, someone needs to be able to verify them.

Gather the current lease or available rental evidence, estimates for taxes and insurance, any HOA dues, and the property details. If an entity will own the property, identify the entity and proposed title arrangement early.

This isn't a universal approval checklist. The required documents depend on the program and transaction. It's a practical way to spot missing information before it slows the conversation down.

Comment DSCR for the free full guide and fillable document organizer inside the Home Loans by Dom community.

Before you count the same money twice, separate what you need to close from what you need afterward. 🔑List the funds goi...
10/09/2026

Before you count the same money twice, separate what you need to close from what you need afterward. 🔑

List the funds going toward the transaction, confirm any required lender reserves, then work through the cash you want available for the rental's operating costs.

Ask which assets count and how much must remain after closing. Requirements vary by program and scenario, so the account balance alone doesn't settle those questions.

Comment DSCR for the free cash-to-close and reserve worksheet and full guide inside the Home Loans by Dom community.

🔑 Having enough cash to close doesn't answer how you'll handle a vacant month or a repair.For a DSCR purchase, I want to...
10/08/2026

🔑 Having enough cash to close doesn't answer how you'll handle a vacant month or a repair.

For a DSCR purchase, I want to separate three things: the cash needed to complete the transaction, any reserves the loan program requires, and the operating buffer you want for the property.

Those categories can overlap in how funds are reviewed, so verify which assets count and how much must remain after closing. Don't assume every dollar in an account is available for every purpose.

Comment DSCR for the free Home Loans by Dom community, full guide, and fillable cash-to-close and reserve worksheet.

Address

6836 Austin Center Boulevard Ste 240
Austin, TX
78731

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