The Rueth Team - CrossCountry Mortgage

The Rueth Team - CrossCountry Mortgage Helping people use real estate to build wealth, create stability, and make smart money moves. Want a smooth process, open communication?

Personal NMLS239840
Branch NMLS1773803
Company NMLS3029
Equal Housing Opportunity
Licensed by the New Jersey Department of Banking and Insurance Local, Strategic, Solution Oriented, Service GUARANTEED home loans. Want to know you can reach your lender 7 days a week? As a Producing Branch Manager, I have full access to underwriters, programs and appraisal managers. Give us a call today and find out what simple lending looks like.

09/05/2026

I get it. It’s hard to see the success of others and assume it came to them easily.

The truth is, becoming the woman I am today was brutally hard. Transformation will force you to shed aspects of yourself you didn’t think were possible and it will test how bad you want the change.

The daily mechanics of growth are painfully boring. Most never stick it out because it takes discipline. But… I say it all the time, daily anything changes everything… for the ones who are consistent.

If you're in the part where nothing looks like it's working yet, that's not failure. That's the messy middle.

Keep going.

09/04/2026

My honest take, cash flow at that level doesn't come from buying well, it comes from time. On a leveraged portfolio in 2026, with prices where they are and rates above six and rents flat, the payment eats most of the rent on almost anything you buy today. The money shows up later, after the balances come down or come off entirely. It's the reason to start now instead of waiting, because the clock is the asset.

And the strategy has to be built backward from your own definition of freedom. There isn't one right answer. There's the one that fits what you're actually trying to buy back.

If you want help figuring out which version that is for you, send me a message.

09/03/2026

Once you already carry a mortgage, a lender weighs your income against everything you owe, and eventually that math stops working no matter how good the property is. That's where most people get a no and quit.

A DSCR loan asks a different question. It looks at what the property earns instead of what you earn. If the rent covers the payment, the property qualifies itself, and your tax returns never come into it. This matters if you write off everything you're entitled to write off, because the same deductions that help you in April are what make you look broke on an application.

If the only thing standing between you and the next one is what your income looks like on paper, a DSCR loan could be just the ticket.

Tell me about the property you're looking at and I'll tell you whether it works.

09/02/2026

The fourth one is the one that actually makes wealth generational.

The first three are mechanics. Hold instead of trade. Buy something that pays you now rather than something you're hoping about. Use what you already own to reach the next one. Those are learnable, and most people could run them inside a year if someone sat down and explained them.

The fourth one takes longer than that, and it's the only one you can't do alone.

Teaching your kids the mechanics means letting them see the boring parts. The month a tenant left. The repair that wiped out the quarter. How you decided between two properties and why you picked the one you picked.

These micro moves are what makes a business survive. Families lose portfolios in one generation all the time, not because the assets were bad but because the person who understood them was the only one who did.

Peter and I learned all of this the hard way, which is a polite way of saying, we made the mistakes first and figured out the pattern after.

If you own something and you're not sure how to make the next move to grow your portfolio, send me a message and let's look at it.

09/01/2026

Every family that has built wealth had somebody who had to take a risk … that’s usually how it works.

That person usually gets remembered as brave. Someone who saw an opportunity and called their shot. It makes a good story and it keeps most people out of the game, because they're waiting to feel brave and it never arrives.

But… here’s what your story could look like. You could buy a place and live in it while you rent out another space in your home. You see, the risk is significantly reduced!

This is a house hack strategy and this is only one house hack option to launch your portfolio.

Send me a message and we will work up the options to help you begin building wealth with real estate.

08/31/2026

The reason most people never buy a second property is that they're trying to do it the hard way on purpose.

Investors are told they need twenty percent or more down, so they save. For years. And while they're saving, they're also paying rent or a full mortgage on the place they live, which means the thing they're trying to fund is being drained by the thing they're living in.

There's a version where those two problems solve each other.

Buy the first one as a home you actually live in. This alone changes what you need up front, because a home you occupy has options an investment property never will. Then buy a duplex instead of a single family and live on one side. Your tenant covers a meaningful part of the payment, which means the largest expense in your life stops being your largest expense.

That's the whole mechanism, and it isn't complicated. What it does is free up the money that was going toward housing. That freed up money is what becomes the next down payment. Not the rent. The rent is what makes your own housing cost small enough that you can finally save something.

If you own one place and can't see how the second one happens, send me a message and let's look at your actual numbers.

08/29/2026

Would you sell the land under your house and keep the house?

Here’s the move. A third party buys the land under your property. You keep the building and walk away with a large chunk of cash, no sale, no loan. In exchange, you pay rent on the land going forward.

So why do it on purpose? Cash that’s trapped becomes cash that’s working. What you pull out can become the down payment on your next property. Now two properties are building equity at once, and tenants on the new one help carry it.

This isn’t free money and it isn’t a savings play. You sold the land at a discount and you’ll pay ground rent as as long as you own it. It can make the property harder to sell or finance later.

It only works if the cash you pull out earns you more than the lease costs you.

Done right, with a plan, it’s a way to turn one property into the next without waiting years to save.

But… I want to hear your thoughts. Would you use this strategy to build a portfolio?

08/28/2026

Here's what I've noticed after thousands of these conversations. People don't actually want a lower rate. They want a lower payment. Those two things got fused together somewhere along the way, and now everybody's trying to solve a four-part problem by attacking the one part they can't change without giving something up.

Your payment is a stack. Only one item in that stack is your rate. The other pieces get set once and then nobody looks at them again for a decade.

Make the calls and see the opportunity available to lower your monthly payment.

08/27/2026

Rent buys you the month. That's the whole transaction. It just ends when the month does.

A mortgage does something else with the same money. Part of every payment goes to what you owe, and what you owe going down is yours. Over time you build a position instead of a receipt. It's slow enough that you won't feel it happening, and that's exactly why people talk themselves out of it.

I'm not going to tell you the second one is easier. It isn't. There are repairs and taxes and the years the market doesn't move, and anyone selling you a version without those isn't being straight with you.

But if you're going to spend the money either way, you might as well know which version you're choosing and why.

Send me a message and let's create a strategy that positions you as a homeowner.

08/26/2026

Here’s 3 ways people actually buy the next property without a giant pile of cash in the bank.

Most people think the only way to buy another property is to grind out a whole new down payment from scratch. This is the slow way, and it is the reason so many people stop at one. Here is how it actually gets done.

1.
Cash-out refinance. If you already own a home, you have probably built equity in it, whether you meant to or not. Every payment you made and every bit the market moved added up. This equity does not have to sit there looking pretty on a statement. A cash-out refinance lets you pull some of it out and put it to work as the down payment on your next property. The down payment for your next place is often already sitting inside the one you own right now. Most people never touch it because nobody told them they could.

2.
Owner-occupied financing. When you buy a home to actually live in, you get in with far less down than an investment property will ever ask for. So you buy it, you live in it, and when you are ready for the next one, you buy that as your new primary, move into it, and rent out the first. You have to actually live in each one, that part is not optional. But done the right way, this is how one home becomes two, and two becomes more.

3.
DSCR loan. This is the one serious investors lean on to keep going. Instead of qualifying only on your personal income, the property’s own rental income does the heavy lifting. When the numbers on the deal make sense, you are not capped by your paycheck or how many loans it can carry. This is how people scale past the point where they thought they were supposed to stop.

Here is the honest part. Which one fits depends on your equity, your goals, your timing, and your real numbers. There is no single right answer, only the right one for you.

If you are trying to buy your next one and you are not sure how to structure it, send me a message and we will map it out together.

Address

750 W Hampden Avenue, Ste 500
Englewood, CO
80110

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