John Marroni NMLS# 5778- Mortgage Loan Officer

John Marroni NMLS# 5778- Mortgage Loan Officer Mortgage Advisor NMLS ID # 5778
Equal Housing Opportunity
www.nmlsconsumeraccess.org

09/09/2026

Summer vacations are ending, and many buyers who paused their home search are starting to look again.

The question isn't whether they're interested... It's whether they're still financially ready.

A quick financing refresh can uncover changes in income, credit, savings, or loan eligibility before valuable time is spent touring homes.

📩 Realtor partners: If your buyers are coming back into the market, send me a DM with "READY" & let's get them back on track.

• NMLS # 5778
• Cornerstone First Mortgage, LLC NMLS # 173855

09/08/2026

Write-offs can be great for reducing taxable income.

But when you're trying to qualify for another investment property, a lower taxable income can make conventional financing more challenging.

That's one reason real estate investors look at DSCR financing.

Depending on the program, qualification may focus primarily on the investment property's cash flow rather than traditional personal-income documentation.

Your tax strategy shouldn't automatically stop your investment strategy.

Let's talk financing.

Most investors know what every property earns. Far fewer know what every property is holding.An equity audit is a one-pa...
09/07/2026

Most investors know what every property earns. Far fewer know what every property is holding.

An equity audit is a one-page exercise: list each door, the current value, the loan balance, and the difference. Do it once a year.
What tends to surface is a property nobody was thinking about — bought early, appreciated quietly, paid down steadily, sitting on more capital than the ones you actively manage.

That's usually the door worth refinancing, not the newest one.
You can't allocate what you haven't counted.

09/07/2026

If buying a home is on your radar before the end of the year...

September is a great time to get prepared.

A little planning today can make your home search smoother this fall and help you move with confidence before the holiday season begins.

📩 Ready to create your home buying plan? Let's talk.

• NMLS # 5778
• Cornerstone First Mortgage, LLC NMLS # 173855

Once you’re under contract, your financial picture still matters. 🏠 Keeping your loan on track comes down to consistency...
09/05/2026

Once you’re under contract, your financial picture still matters. 🏠 Keeping your loan on track comes down to consistency & communication.

A few key reminders:

💳 Avoid opening new credit accounts
🛍️ Hold off on large purchases before closing
📄 Respond quickly to document requests
💼 Keep your employment and funds stable
❓ Ask questions before making financial changes

Save this so you know what to keep in mind before closing. 📌

NMLS # 5778 | Cornerstone First Mortgage, LLC NMLS # 173855

A lease is a contract. A tax return is a summary of the past.That's the core of why DSCR underwriting exists. Your retur...
09/04/2026

A lease is a contract. A tax return is a summary of the past.

That's the core of why DSCR underwriting exists. Your return shows what you earned last year after every deduction your CPA could find. The lease shows what the property is contracted to pay, every month, going forward.

For a rental, the second document is the more honest predictor. It's tied to the asset, not to your filing strategy.

So the file gets built around the lease, the rent schedule, and the payment. Your personal income never enters it.

Different document, different answer.

09/04/2026

A divorce decree does not automatically remove someone from the mortgage.

The lender still has to review whether the loan can work based on the full file.

Message me "DIVORCE" before you assume it is handled. 🏡

NMLS # 5778 | Cornerstone First Mortgage, LLC NMLS # 173855

09/03/2026

Your tax return might show less income than you actually generate from your rental portfolio.

That doesn't necessarily mean your next investment property can't qualify for financing.

With DSCR financing, the focus can shift from your personal tax-return income to the property's rental income and ability to support the proposed payment.

For investors with strong rental properties but heavy tax deductions, this can be an alternative worth exploring.

Want to know if your next property could qualify? Ask about DSCR.

The most common misread on DSCR cash-out: investors treat "the property qualifies" as "anything qualifies."The rent repl...
09/02/2026

The most common misread on DSCR cash-out: investors treat "the property qualifies" as "anything qualifies."

The rent replaces your income documentation. It doesn't replace everything else.

Credit still sets pricing and your maximum LTV. Reserves still have to be there after closing. The property still needs to be leased or rent-ready, and usually owned for around six months before current value counts. Title, entity docs, and insurance all still get reviewed.

What actually disappears is the part that blocks most investors: tax returns, W-2s, and the DTI calculation that punishes you for owning property.

So it's not a looser loan. It's a differently-shaped one — light where conventional is heaviest, and firm about the asset itself.
Knowing that early is the difference between a smooth file and a month of surprises.

Reach out and we'll tell you exactly what your property needs.

09/02/2026

Do not walk away from the investment property just because one lender said no.

The deal may need a different financing strategy.

DM me “INVEST” and let’s take a closer look. 🏡

NMLS # 5778 | Cornerstone First Mortgage, LLC NMLS # 173855

Address

Danvers, MA
01923

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Telephone

+16176806495

Website

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