Jason Disko at Guaranteed Rate Affinity NMLS ID 2073372

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Jason Disko at Guaranteed Rate Affinity NMLS ID 2073372 As a mortgage loan originator, I work hard to shop and compare competitive home loan options. NMLS # 2073372, GRA NMLS # 1598647.

Rental property investing in St. Louis looks like this right now: 94% of would-be buyers are sitting out, holding out fo...
10/15/2026

Rental property investing in St. Louis looks like this right now:

94% of would-be buyers are sitting out, holding out for a lower "magic rate" (per a John Burns Research survey making the rounds this week).

That's your competition, sitting down.
Less bidding-war heat. More seller flexibility. And the financing doesn't care about the magic rate either — DSCR investor loans qualify the property on its own rental income. No W-2. No tax returns. Close in your LLC.

Cash flow rental property math still works here. The question is whether you buy while the crowd waits.

DM me "INVESTOR" and I'll walk you through the DSCR playbook.
636-627-9409 | NMLS #2073372
👉 Would you buy while the buyers wait — or are you waiting too?

Mid-term rental St. Louis: the furnished 30-day stay that out-earns a 12-month lease.While the market watches this morni...
10/15/2026

Mid-term rental St. Louis: the furnished 30-day stay that out-earns a 12-month lease.
While the market watches this morning's PPI and retail sales prints, St. Louis investors are buying cash flow — not headlines. Travel nurses on 13-week assignments, insurance-claim families, corporate relocations: they pay premium rent for a furnished home with no year-long commitment. Higher yield than a plain long-term rental, a fraction of the turnovers of an Airbnb.

The financing lane: buy it as an investment property and qualify on the PROPERTY's rental income, not your W-2. Close in your LLC.

DM me INVESTOR and I'll map the mid-term rental play for your next door.

Jason Disko | Disko Home Loans | St. Louis mortgage lender
📞 636-627-9409 | NMLS #2073372

CPI prints at 7:30 this morning. St. Louis investors are watching a different number: 45.45 days to identify your next p...
10/14/2026

CPI prints at 7:30 this morning. St. Louis investors are watching a different number: 45.

45 days to identify your next property. 180 days to close. That's the 1031 exchange clock — sell an investment property, roll the equity into the next one, and defer the capital gains tax. The money sits with a qualified intermediary; you never touch it.

The St. Louis play: trade a tired rental for one whose rent covers the mortgage — then finance the replacement with a DSCR loan that qualifies on the PROPERTY's income, not your W-2. Close in your LLC.

Sitting on equity in a rental that's stopped performing?

DM me "INVESTOR" and I'll map the 1031 + DSCR play for your next move.

📞 636-627-9409 | NMLS #2073372

10/12/2026

mortgage rates St. Louis — this week decides where they go next.
Bond market's closed today for Columbus Day, so Friday's numbers are the latest — and rates ended the week sitting near their highs. No relief yet.
Wednesday morning is the one to watch: the CPI inflation report. It's the last inflation print the Fed sees before their October 27–28 meeting, so whatever it says basically writes the Fed's script.
Hot number = rates hold their ground. Cool number = the first real opening in weeks. Either way, this week matters more than most.
I'll break down what Wednesday's number means for St. Louis homebuyers in Friday's Market Minute — follow the page so you don't miss it. Send us a message if you want to talk strategy before then.
Jason Disko | Disko Home Loans | St. Louis mortgage lender
636-627-9409 | NMLS #2073372

Everyone's waiting for the market to "get better." Meanwhile the rule you were taught — 3% down means PMI, period — quie...
10/08/2026

Everyone's waiting for the market to "get better." Meanwhile the rule you were taught — 3% down means PMI, period — quietly got broken.

FMI — Forget MI — is a conventional loan that lets first-time buyers put down as little as 3% with ZERO PMI. Just three checks:
✔ First-time buyer
✔ Income at or under 80% of area median
✔ 660+ credit score

While the headlines have every buyer counting dollars, one less add-on on your payment is a real door-opener.

DM me "FMI" and I'll tell you in one message whether you clear the three checks.

📞 636-627-9409 · NMLS #2073372

If you're planning to buy a house in 2027, your lender's clock already started. ⏰Underwriters look at roughly 90 days of...
10/07/2026

If you're planning to buy a house in 2027, your lender's clock already started. ⏰

Underwriters look at roughly 90 days of your financial life — bank statements, job history, debt balances. What you do THIS fall shows up in your file next spring.

Start now:
✅ Keep revolving debt under 10% of your limits
✅ Park savings in a separate "clean" account — stop shuffling money around
✅ Keep 90 days of stable income (avoid job changes if you can)
✅ No big deposits, transfers, or new credit — every dollar needs a paper trail
The buyers who sail through underwriting are the ones who got boring three months early.

Thinking about a move in 2027? DM me "PLAN" and I'll send you the 90-day prep checklist. 📋

📞 636-627-9409 | NMLS #2073372

The scary headline is your unfair advantage.Rates just had their biggest weekly jump in about 4 years — and buyers ran f...
10/05/2026

The scary headline is your unfair advantage.

Rates just had their biggest weekly jump in about 4 years — and buyers ran for the sidelines. Meanwhile, sellers are cutting prices anyway: more than 1 in 5 listings took a price cut in September, the most since 2022.

Less competition. More negotiating room. The window nobody's watching.

Thinking about buying? DM me "HOME" and let's talk through your numbers.

Jason Disko | Disko Home Loans
636-627-9409 | NMLS #2073372

Mortgage costs just hit a 14-month high — and investors are shopping. 👀Sellers slashed prices at the fastest September p...
10/01/2026

Mortgage costs just hit a 14-month high — and investors are shopping. 👀

Sellers slashed prices at the fastest September pace since 2018: 1 in 5 listings took a price cut while buyers sat on the sidelines. That's exactly when investors shop.

DSCR loans qualify on the PROPERTY's rent — not your pay stubs, tax returns, or W-2. One question: does the rent cover the mortgage? And you can close in your LLC.

Comment or DM me "INVESTOR" and I'll run the DSCR math on your next St. Louis deal.

📲 636-627-9409
NMLS #2073372

The Fed just hiked for the first time in three years — and investors are quietly smiling.While headlines freeze homebuye...
09/30/2026

The Fed just hiked for the first time in three years — and investors are quietly smiling.

While headlines freeze homebuyers, the rental math in St. Louis just got more interesting: listing prices softened ~12% year-over-year while rents climbed ~4% in the last month alone (realtor.com).

That's exactly the setup DSCR loans are built for — the loan qualifies on the PROPERTY's rental income, not your W-2 or tax returns. One simple question: does the rent cover the mortgage?

Long-term rental, Ozarks STR, or an MTR near the hospitals — and you can close in your LLC.

Comment or DM me "INVESTOR" and I'll send you the investor breakdown.

📲 636-627-9409
NMLS #2073372

Nobody's house-hunting right now. That's exactly why you should be. 🍂Fall is the most underrated time to buy a home:→ Le...
09/25/2026

Nobody's house-hunting right now. That's exactly why you should be. 🍂

Fall is the most underrated time to buy a home:

→ Less competition. Your offer gets real attention instead of fighting a dozen other buyers at certain price points.

→ Fall sellers are motivated. Nobody lists in October unless they actually want to move — that leverage is yours.

→ Time is on your side. Tour twice, sleep on it, negotiate credits and repairs. No bidding-war panic.

The spring frenzy gets the headlines. Fall gets the deals.

Thinking about buying? DM me the word HOME and I'll run your numbers in about 10 minutes.
📞 636-627-9409
NMLS #2073372

Address

4502 Mid Rivers Mall Drive
Cottleville, MO
63376

Telephone

+16366279409

Website

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