R & J Capital Group, LLC Mortgages

04/07/2026

Early 2026 Mortgage Update: Rates, Programs & What’s Coming Next What’s happening in the mortgage market at the start of 2026?In this episode, Robert Niyazov...

03/17/2026

**Growing your rental portfolio?** DSCR loans qualify you based on your property's income, not your personal tax returns. That means faster closings, less paperwork, and more flexibility for real estate investors.

📖 Read our full guide: https://rjcmortgage.com/blog/dscr-cash-flow-loans-for-investments-property-income-vs-personal-income/

🎥 Watch the breakdown: https://www.youtube.com/watch?v=vadZxPCu_hs

📰 Featured in the Queens Ledger: https://queensledger.com/2026/02/16/boost-your-dscr-ratio-before-applying-for-a-loan/

Ready to see what you qualify for? Visit us at https://rjcmortgage.com/ to get started today!
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12/30/2025

Mortgage Insights, Market Trends & Real Estate Truths | Expert Talk with R&J Capital CEO

In this in-depth and eye-opening conversation, Robert Niyazov, CEO and Founder of R&J Capital, sits down with New York Real Estate Broker Olga Zakinova to discuss mortgages, real estate trends, and smart strategies for buyers, sellers, and investors across the U.S.

Robert brings over 20 years of experience leading a multi-state licensed mortgage company serving nearly 70% of the U.S. population, sharing real-world insights into today’s housing market, mortgage financing, and long-term wealth building through real estate.

Together, Robert and Olga cover everything from first-time homebuyer programs and low down payments to investment strategies, cash vs mortgage decisions, market cycles, insurance costs, fraud prevention, and legacy planning. This conversation goes beyond surface-level advice and dives into how mortgages truly work, how lenders evaluate borrowers, and how preparation and honesty can make or break a deal.

Watch full video interview at our YouTube channel

Mortgage Insights, Market Trends & Real Estate Truths | Expert Talk with R&J Capital CEO

In this in-depth and eye-opening conversation, Robert Niyazov, CEO and Founder of R&J Capital, sits down with New York Real Estate Broker Olga Zakinova to di...

07/21/2025

Want to accomplish more in life — whether it’s building your career, improving your personal life, or hitting a major goal? It all begins with one simple, powerful habit: VISION.
In this motivating video, we share a timeless strategy that’s helped millions turn dreams into reality. From earning a new certification to buying a car or making life-changing decisions, it all starts with imagining the outcome clearly and planning your way there.
You’ll learn how to:
Create a crystal-clear vision for your goals
Break big dreams into manageable steps
Stay focused, motivated, and productive
“Everything is created twice – first in the mind, then in reality.” – Stephen Covey
Start visualizing your success — and then go make it happen.

07/16/2025

Have you ever wondered why the strength of the U.S. dollar makes headlines—and what it actually means for your mortgage or the housing market?
In this video, we break down the real relationship between the dollar, interest rates, and mortgage trends. We’ll explain in simple terms what it means when we say the U.S. dollar is “strong” or “weak,” how interest rates influence that value, and what the Trump administration’s current strategy could mean for the economy and your future home loan.
Here’s what we cover:
✅ What is a strong vs. weak dollar?
✅ Why a weaker dollar could benefit U.S. exports and manufacturing
✅ How interest rates directly influence the dollar’s value
✅ Why former President Trump is pressuring the Federal Reserve to lower rates
✅ Our forecast for mortgage rates in 2026—could we be heading back to 5.5–6% mortgage rates?
We’ll also clear up a huge myth: a strong dollar doesn’t always mean a strong economy, and vice versa. It’s all about the balance.
Whether you're a current homeowner, first-time buyer, or real estate professional, understanding these dynamics can help you make smarter decisions in the months ahead.

👇 Drop your thoughts in the comments — Do you think mortgage rates will fall in 2026? Will the dollar continue to weaken? We’d love to hear your take!
📢 Like this video, follow our page, and subscribe for more straightforward insights on real estate, the economy, and mortgage tips that actually matter.

07/08/2025

The mortgage rates have been stubbornly hovering around 6 1/2 to 7% for a long period of time now. The recent June 2025 jobs report has also demonstrated a resilience in the American economy, which doesn’t help their rates either. Now, the federal reserve is unlikely to lower the rates at the end of July 2025 however, we have seen an optic and mortgage applications and in the amount of contracts we are receiving in the office. Those who need to buy a home I will buy it due to family formation and other life events. Moreover, some realize that 7% mortgage rate is not out of ordinary in historical means.

We also touched in this video on the new provision in the one beautiful bill, which has to do with the increase of the deduction for property and state taxes. This is a welcome news for some homeowners who taxes are high.

07/02/2025

What’s going on with mortgage rates—and where are they headed?
In this video, I break down the key factors that impact mortgage interest rates and explain why they’ve been hovering between 6% and 7% for the past few months. You’ll learn what drives rate changes—like the labor market, inflation, and even politics—and when we might see real movement, including possible drops later this month and into 2026.
Here’s what we cover:
✔️ Why rates haven’t dropped significantly yet
✔️ What role inflation and the labor market play
✔️ How the Fed's next moves might affect HELOCs, student loans & car loans
✔️ Why 2026 mid-term elections could influence rate changes
✔️ My personal prediction for 2026 mortgage rates
If you're thinking about buying, refinancing, or just keeping an eye on the market, this is the update you need.
📩 Drop your thoughts in the comments — what do YOU think will happen to mortgage rates next?
🔔 Don’t forget to subscribe for weekly insights, rate updates, and tips for homebuyers and real estate investors!

06/24/2025

Are you planning to buy a new property and unsure whether it qualifies as a primary residence or an investment property? In this video, we break down the key differences between buying and financing a property you’ll live in versus one you’ll rent out.

✅ What qualifies as a primary residence?
✅ What makes a property an investment?
✅ Financing differences: down payments, interest rates & credit score requirements
✅ Why lenders see investment properties as riskier
✅ Common mistakes to avoid when applying for a mortgage
✅ Real estate investing tips for beginners
Whether you're a first-time homebuyer or an aspiring real estate investor, this guide will help you navigate the financing process with confidence and avoid costly mistakes.

💬 Have more questions about mortgage options or your credit profile? Drop them in the comments below — we’re here to help!

📞 Need mortgage advice? Contact our team today and let's make your property goals a reality!

06/20/2025

If you're preparing to buy a home, understanding how lenders calculate your mortgage qualification is a game-changer. Many people are surprised to learn that things like car insurance, groceries, or dining out don’t directly impact your approval. So what does matter?

📌 In this video, we break it down in simple terms:

What counts toward your monthly debt:
✅ Mortgage payment (principal + interest)
✅ Property taxes
✅ Homeowner’s insurance
✅ Credit card minimums
✅ Auto loans or leases
✅ Student loans
✅ Personal loans (if they appear on your credit report)

What doesn’t count:
❌ Car insurance
❌ Food, gas, dining, entertainment
❌ Clothing or other non-credit expenses

The key number to remember? 45% of your gross monthly income.
If you earn $10,000/month, your housing costs + monthly credit report debts must be within $4,500. The remaining 55% is assumed to cover your everyday living expenses. This is why having a clear credit report and realistic view of your budget is essential. Lenders don’t want your lifestyle—they want the math to work. Knowing what goes into these calculations helps you plan smarter and avoid surprises.

Ready to see what you qualify for? Contact us for a free pre-approval and personalized guidance to get you on the path to homeownership

Drop your questions in the comments or send us a message—we're here to help!

06/18/2025

Are you wondering whether now is the right time to buy or sell a home? In this video, we break down what it really means to be in a seller’s market versus a buyer’s market—and how that impacts your strategy.

We’ll walk you through:
Clear definitions of both markets
Real-life examples from the past few years, including the COVID-era housing boom
What’s happening across the U.S. right now, mid-2025
Market conditions in hotspots like Buffalo, NY (a strong seller’s market) and South Florida (shifting toward a buyer’s market)
Why it’s so difficult to time the market—and why it might not be worth waiting

💡 The truth is, while interest rates and inventory levels may shift, owning a home is still one of the most powerful financial decisions you can make. If you're a first-time buyer, don’t get discouraged—getting pre-approved is a great first step toward finding out what’s possible for you today, not just someday.

Whether you're navigating low inventory or high competition, we're here to guide you through every stage of the mortgage and home-buying process.

Ready to take the next step? Contact us for your free pre-approval consultation and let’s create your path to homeownership.

Message us or click the link in our bio to get started today!

06/13/2025

When it comes to choosing the right mortgage repayment strategy, many buyers (and even investors) are faced with a critical question:

Should I go with a traditional Principal & Interest mortgage… or an Interest-Only loan?

In this video, we walk you through a detailed example using:
$500,000 loan
6% interest rate
30-year term
Side-by-side monthly repayment comparison

Interest-Only Loan:
Lower monthly payment ($2,500)
Easier to qualify for
Frees up short-term cash flow
❌ But — you're not building equity. Your balance stays the same.

Principal & Interest Loan:
Slightly higher payment ($2,997)
Payments stay consistent over time
✔️ You’re paying down your loan and building equity from Day 1

Each month, the interest goes down and principal paid goes up
Even after just one year, with Principal & Interest, you’ve paid back over $6,400 to yourself in equity—something an Interest-Only loan doesn't provide.

Both options have pros and cons. One offers short-term affordability, while the other is focused on long-term financial growth and wealth building.

Watch the full video to understand the long-term impact of each option. We break down every number and show how the repayment schedule works in real life.

💬 Have questions or personal experiences to share? Drop a comment below! Let’s learn and grow together.

👉 Like, share, and follow for more smart mortgage insights from your trusted home loan experts.

05/12/2025

The Power of Leverage

A former long-term client of &J Capital group, LLC recently contacted us after selling a property and netting over $400,000. They wanted to reinvest in real estate, so we explored how to make that money work smarter—not harder.
In this video, we compare two strategies:

Buying one $500,000 property, or
Using leverage to buy two $500,000 properties with $200K down on each
Both options assume 4% annual appreciation. But while the first earns $20K in growth, the second approach doubles that—earning $40K, thanks to the increased asset base.

This example highlights how strategic use of financing can maximize your returns and grow your real estate portfolio faster.

We’ll also touch on:
What capital gains mean
Official Statistics on historical home appreciation in the US
Why leverage is a powerful wealth-building tool

If you’re considering reinvesting equity or buying your next property, this is a must-watch.