Taylor Eisenbarth - High Plains Mortgage Team - NMLS# 2471936

06/04/2026

Want to start investing in real estate but worried about qualifying for another mortgage?

Here's a program every investor should know about.

It's called a DSCR loan, which stands for Debt Service Coverage Ratio.

Unlike a traditional mortgage that focuses heavily on your personal income, a DSCR loan looks primarily at the property's ability to generate rental income.

In simple terms, the question is:

Can the rent from the property cover the mortgage payment, taxes, insurance, and other required costs?

A DSCR of 1.0 means the property's rental income covers the payment dollar for dollar.

Some lenders will even allow a DSCR below 1.0, meaning the property doesn't have to fully cover the payment to qualify.

For many investors, this creates opportunities to continue growing their portfolio even after traditional debt-to-income limits become a challenge.

If you're thinking about buying your first investment property or expanding your portfolio, a DSCR loan may be worth exploring.

06/02/2026

5.0 star review received on Experience.com for Taylor Eisenbarth by Adrien M - It was an extremely smooth process and worked with me for months before we were able to find the right house.

Click to see all 69 reviews of Taylor Eisenbarth, Fairway Independent Mortgage

05/19/2026

A lot of buyers hear a monthly payment number and think that’s the full picture.

It’s not.

Your mortgage payment is usually made up of PITI:

Principal, Interest, Taxes, and Insurance.

And if you’re putting less than 20% down, you may also have PMI.

The part that catches many buyers off guard?

Taxes and insurance.

Depending on where you’re buying, they can add hundreds to your monthly payment. In places like Florida, insurance has become a major factor over the last few years.

Then there are closing costs.

Many first time buyers don’t realize these are separate from the down payment.

Closing costs typically run around 2% to 4% of the loan amount. On a $350,000 home, that could mean roughly $7,000 to $14,000 on top of your down payment.

The good news is there are programs that can help.

The key is understanding the full picture upfront so there are no surprises later.

05/15/2026

I want to talk about something most mortgage content completely ignores.

Your rate is not just determined by the Fed or the market.

Your credit score, down payment, debt-to-income ratio, loan type, and overall financial profile all play a major role.

Two buyers can look at the exact same house on the exact same day and get very different rates.

That’s why working with the right loan officer matters.

Not someone who just runs your numbers and hands you a rate sheet.

Someone who actually helps optimize your file.

Sometimes that means waiting 30 to 60 days to improve credit. Sometimes it means restructuring the down payment or choosing a different loan product.

The point is this:

Your rate is not always a fixed number.

In many cases, it’s something you can improve with the right strategy.

05/14/2026

The better question isn’t:

“Should I wait for rates to come down?”

It’s:

“What is waiting costing me?”

Every month you rent, you’re still making a mortgage payment.

Just not your own.

A lot of buyers get caught up chasing the perfect rate, but the better thing to focus on is the monthly payment and whether it works for your life and budget.

Because a 7% rate on a home still comes with a real monthly number.

How does that compare to what you’re paying in rent right now?

What are you spending every month for zero equity and no ownership?

Buying isn’t always the right move. But when people actually compare the numbers, the math often changes.

05/13/2026

People ask me this all the time.

“How much income do I actually need to buy a home?”

Here’s a simple example.

If your total housing payment is around $2,700 per month, lenders generally want that payment to stay around 45% or less of your gross monthly income.

That means you may need somewhere around $6,000 per month in income, or roughly $72,000 per year, depending on your situation.

In many areas outside of Tampa, that can still put homeownership within reach.

But here’s the important part.

Your budget changes based on your down payment, debt, credit, taxes, insurance, and loan type.

That’s why guessing rarely works.

Run the numbers first and see what actually makes sense for your situation.

Home Featured: 3007 Chipco St, Tampa, FL 33605

05/12/2026

People ask me all the time why I focus so much on Florida buyers.

Simple.

Florida is still one of the strongest places in the country to build wealth through real estate.

No state income tax. A growing population. Strong migration from other states. And markets across Florida that continue to create opportunity for buyers.

A lot of people also don’t realize there are still programs available for first time buyers that can make homeownership more realistic than they think.

And the best part? You don’t have to be locked into one market.

Whether it’s Tampa, Naples, Orlando, Jacksonville, or somewhere in between, there are opportunities all across the state.

That’s why I focus here. Helping buyers make smart moves in a state that still has a lot to offer.

05/08/2026

A lot of people think putting less than 20% down is automatically a bad financial decision.

That’s not always true.

If putting 20% down wipes out your savings, now you own a home but have no emergency fund. That can put you in a risky position fast.

In many cases, putting 5% down and keeping cash reserves available is actually the smarter move.

There’s no one-size-fits-all answer. The right down payment depends on your income, savings, goals, and overall financial picture.

That’s why strategy matters more than just following generic advice.

What questions do you have about down payments? Drop them below.

05/08/2026

Thinking about investing in real estate?

The first step is making smart decisions, not rushed ones.

Start with the location. Strong job growth, community development, and long term demand matter more than most people realize. A good realtor can help you identify markets with real potential.

Next, look at the assets you already have. Many investors use equity from their current home to help purchase rental properties and build additional income streams.

Real estate investing is not just about buying property. It’s about building a strategy.

The more informed you are, the better decisions you make long term.

If you’re thinking about investing, send me a message and let’s walk through your options.

05/06/2026

If you're thinking about buying a home in the next 6 to 12 months, do this now.

Pull your full credit report. Not just your score.

Look for errors like collections that aren't yours, late payments that were actually on time, or old debts that should have already fallen off.

A lot of people don't realize how common these mistakes are, and fixing them can raise your score significantly.

On a mortgage, even a small score increase can lower your rate and save you money every single month.

The best part is it’s free, takes about 20 minutes, and can save you thousands over the life of your loan.

Do it before you're in the middle of the buying process.