Robert Erath NMLS #297076

03/23/2026

🚀 Tired of getting denied for investment properties because of your personal income or tax returns?
Meet the DSCR Mortgage — the game-changer for real estate investors!
✅ Qualify based on the property’s rental income, not yours
✅ No W-2s, paystubs, or tax returns required
✅ Perfect for self-employed investors, LLCs, and portfolio builders
✅ Cash-flow focused: Lenders want your property to cover the mortgage (typically 1.0+ DSCR)
Whether you’re buying your first rental or scaling to 10+ properties, DSCR loans let the house pay for itself.
💰 Lower barriers. Faster closings. More deals.
DM me “DSCR” if you’re ready to unlock your next investment property!
NoIncomeVerification InvestmentMortgage RealEstateTips NonQMLoans BuildWealth

03/19/2026

Self-employed and tired of tax returns holding you back from homeownership?
Say goodbye to W-2s, 1040s, and complicated deductions!
Our Bank Statement Loan Program is built for YOU:
✅ Qualify with just 12-24 months of personal or business bank statements
✅ NO tax returns required
✅ NO pay stubs or W-2s needed
✅ Down payments as low as 10% (in many cases)
✅ Up to 90% financing available
✅ Perfect for business owners, freelancers, 1099 workers, and entrepreneurs
Your deposits tell the real story of your income—let’s use that to get you into your dream home!
DM me ‘BANK STATEMENT’ or comment below if you’re self-employed and ready to explore options. Let’s make homeownership happen without the tax headache! 🏡💼
NonQM SelfEmployed BusinessOwnerLife MortgageTips HomeBuying RealEstate EntrepreneurMortgage DreamHome FirstTimeHomeBuyer Refinance”

09/21/2025

🍁 Fall has officially arrived

The summer was about iced coffees and sunshine… but fall? Fall is about slowing down, cozying up, and maybe even finally running the numbers on a new place to call home.

This season feels like:

☕️ Pumpkin spice and lower interest rates talk
📲 Late-night scrolling Zillow and rate calculators
🥧 Sunday soups simmering while dreaming of a bigger kitchen
🍁 Long walks under golden leaves with the thought, “maybe it’s time”

Here’s the thing → mortgages aren’t just about numbers. They’re about seasons changing, lives shifting, and choosing the right move for your future.



What’s the one change you’re ready to make this fall? 👇

01/20/2025

Find your happy place with as little as one percent-down by getting a helpful boost from loanDepot and Fannie Mae. Qualified first-time homebuyers could get up to $8,000 in down payment assistance through accessONE+. Together, we’re making the dream of homeownership more accessible.

https://www.loandepot.com/rerath?utm_source=TE&utm_medium=Social&utm_campaign=132870-9106c&ldec=Retail_TE_Social_132870-9106c&loid=rerath

🏡 Mortgage Professional | 20+ Years Experience
📊 Guiding you to your dream home with expert advice
🤝 Dedicated to finding the best mortgage solutions
💬 Let's connect and make homeownership a reality!

11/17/2024

Wondering how much house you can afford? If you're looking to transition from a rental to a home of your own, our Rent vs Buy calculator can run many different scenarios with just a few pieces of information.

https://www.loandepot.com/mortgage-calculator/rent-vs-buy?loid=rerath

11/13/2024

Find your happy place with as little as one percent-down by getting a helpful boost from loanDepot and Fannie Mae. Qualified first-time homebuyers could get up to $9,000 in down payment assistance through accessONE+. Together, we’re making the dream of homeownership more accessible.

https://www.loandepot.com/rerath?utm_source=TE&utm_medium=Social&utm_campaign=132870-9106c&ldec=Retail_TE_Social_132870-9106c&loid=rerath

09/24/2024

loanDepot offers FHA, renovation, USDA and many other loan options for first-time homebuyers. I will walk you through the process, step-by-step, to answer any questions you may have. Reach out today so we can get the process started toward your dream of homeownership!

https://www.loandepot.com/rerath

09/23/2024

📣 Attention 🏡

Just a quick reminder: Even though the Fed lowered the federal funds rate by 50 basis points, it doesn’t directly translate to mortgage rates dropping by half a point. 📉

The federal funds rate primarily influences short-term interest rates and can have a lagging effect on long-term mortgage rates. Various factors, including inflation, market conditions, and investor sentiment, play a crucial role in determining the actual mortgage rates that our clients see.

So, let’s keep our clients informed and manage their expectations! It’s essential to stay updated on the broader market trends rather than focusing solely on the Fed's moves.

Let’s continue to work together to provide the best guidance for our buyers and sellers! 💪✨

12/27/2021

FALSE! Just because you didn't have luck with the first lender, doesn't mean your road to homeownership has ended. We can help you evaluate your situation, whether it be compiling the right documentation or working towards improving your credit score. Let loanDepot take a second look, contact me today!

- https://www.loandepot.com/rerath?utm_source=TE&utm_medium=Social&utm_campaign=MythBusting406790o&ldec=Retail_TE_Social_MythBusting406790o&loid=rerath

11/11/2021

Today, we at loanDepot celebrate our Veterans and thank them for their service to our country.

- https://www.loandepot.com/rerath?utm_source=TE&utm_medium=Social&utm_campaign=609570d&ldec=Retail_TE_Social_609570d&loid=rerath