Paige Taylor Hernandez

Paige Taylor Hernandez BRE # 01963418 . NMLS 1572769

Real Estate Investors… pay attention to this.The gap between Full Doc and DSCR loans just got razor thin.Full Doc (conve...
02/26/2026

Real Estate Investors… pay attention to this.

The gap between Full Doc and DSCR loans just got razor thin.

Full Doc (conventional) — the loan that wants your W-2s, tax returns, paystubs, and basically your life story:
📌 Rate: 6.125% | Payment: $3,097/mo | Cash to Close: ~$118K

DSCR — all they want is a good credit score and cash:
📌 Rate: 6.25% | Payment: $3,129/mo | Cash to Close: ~$119K

That's a $32/month difference.

And the DSCR WITH a 3-year prepay penalty? It's actually BEATING conventional:
📌 Rate: 5.875% | Payment: $3,032/mo | Cash to Close: ~$117K

If you're a buy-and-hold investor — why are you handing over your financial history when you don't have to?

Self-employed. Multiple properties. Complex income. DSCR was built for you… and right now, the pricing proves it.

This window won't last forever. 👇 Drop your questions below or DM me to run your numbers.

When the appraisal comes in HIGH, here's what most people miss.Original contract price: $225,000 Appraisal came in at: $...
02/25/2026

When the appraisal comes in HIGH, here's what most people miss.

Original contract price: $225,000 Appraisal came in at: $232,000

Instead of just celebrating... we renegotiated.

Increased the sales price
Added a $7,000 seller credit
Seller walks away with the same net
Buyer saves $5,523 at closing
Monthly payment difference? Just $42/mo

This is strategy.

This is what a mortgage professional who actually knows their stuff looks like.

If your lender isn't bringing you options like this... let's talk.

Gotta love out-of-touch “wins” being sold as affordability solutions.PMI being deductible again is better than nothing.B...
02/07/2026

Gotta love out-of-touch “wins” being sold as affordability solutions.
PMI being deductible again is better than nothing.
But affordability isn’t solved with headlines ...

**MEET TOREY ✨**Introducing **Torey Hayden**, our luxury empowerment photographer for **StandOut**.Torey captures the ki...
01/29/2026

**MEET TOREY ✨**

Introducing **Torey Hayden**, our luxury empowerment photographer for **StandOut**.

Torey captures the kind of images that **stop the scroll and start a movement**.

Her work is not just photography.
It’s presence.
It’s power.
It’s an elevated, intentional experience for women who are done playing small.

Through her lens, she doesn’t just see beauty.
She sees **truth, confidence, leadership**, and everything you were once told to dim.

The result?
Bold, editorial-worthy portraits that radiate feminine power and undeniable impact.

Because when a woman stands fully in who she is…
there’s no stopping her.

✨ This is StandOut.
✨ This is what visibility looks like.

12/26/2025

In this powerful episode of STANDOUT by Notorious, host Paige Hernandez sits down with one of the most influential leaders in the mortgage industry — Phil Shoemaker, CEO of The Loan Store (TLS) — for a deep, candid, and refreshingly human conversation about leadership, culture, purpose, and the ...

12/01/2025

In this powerful episode of STANDOUT by Notorious WMN, Paige Hernandez sits down with Corrina Carter, Founder & CEO of CMS Mortgage, to share one of the most honest, raw, and inspiring business journeys you’ll hear in the mortgage and entrepreneurship space. After being fired as a single mom w...

I am joining a panel of fellow mortgage professionals at Freedom Mortgage Wholesale’s session on December 4, 2025, at Or...
11/21/2025

I am joining a panel of fellow mortgage professionals at Freedom Mortgage Wholesale’s session on December 4, 2025, at Originator Connect Holiday Party. We will explore what it takes to build an enduring mortgage business that can weather market changes. Get insights that could benefit your business. You and up to 10 colleagues can attend for free—use code FDFREE from Originator Connect Network.

Register here https://www.originatorconnectnetwork.com/events/ocn-mortgage-holiday-party

Panelists:
Moderator: Allen Middleman – Executive Director, Freedom Mortgage
Paige Hernandez - Founder/Visionary – Notorious Women of Mortgage and Loan Originator – Heritage Mortgage
Jason duPont – COO & Executive Partner – NEXA
Al Hensling – President – United American Mortgage
I hope to see you there.

Real numbers. Real deal. Real BRRRR.This graphic is from an actual file I closed last month.Purchase price, rehab budget...
11/20/2025

Real numbers. Real deal. Real BRRRR.

This graphic is from an actual file I closed last month.
Purchase price, rehab budget, ARV, loan structure, cash to close, cash-out… all real.

Here’s what happened:

My client bought this property under value, will put in $126,945 in renovations, and stabilized it as a short-term rental.

At purchase:
They brought $30,143 to the table.

At refinance:
They’ll pull $46,361 back out.

Yes… they’ll get their entire down payment back, plus extra, while keeping the property and locking in a long-term DSCR loan using STR projections.

This is the BRRRR method adapted for short-term rentals.
This is how investors scale without needing a fresh down payment every time.

And if you want to make the numbers even better, negotiate seller credits to cover closing costs on the purchase.

If you want help running numbers on a deal you’re looking at, or if you want this strategy broken down step-by-step, message me.

It is National Play Monopoly Day, so let’s talk about playing it in real life.You can keep rolling the dice on a board g...
11/19/2025

It is National Play Monopoly Day, so let’s talk about playing it in real life.

You can keep rolling the dice on a board game… or you can learn how to build your own real life Monopoly board with BRRRR to STR.

Tomorrow I’m hosting a live BRRRR to STR Masterclass where I will show you how investors go from Baltic Ave to Boardwalk using this model:
• Buy under value
�• Renovate strategically
�• Refi using STR DSCR projections�
• Pull their cash back out�
• Hold cash-flowing short-term rentals

In other words… Do not pass Go. Do not wait for luck. Start collecting REAL properties.

If you are ready to trade the little green houses for real keys, real doors, and real equity, this is for you.

Drop a “MONOPOLY” and I’ll send you the link.

11/17/2025

In this powerful episode of STANDOUT by Notorious, host and founder Paige Hernandez sits down with the legendary Dr. Jen Welter — the first female coach in NFL history, a multi-gold medalist, and a trailblazing force in women’s sports, leadership, and personal empowerment. This is one of the mos...

11/04/2025

🎙️ STANDOUT Podcast — “Redefining Leadership and Culture in the Mortgage Industry” In this powerful live conversation from the Notorious event in Austin, host Paige Taylor Hernandez sits down with Teresa Reber, Chief Operating Officer of The Loan Store, to unpack what it really means to l...

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