Myers Capital Virginia, NMLS 1662480

10/30/2026

🏝️ Rental Income Falling Short? We Help Find a Way Forward.

If you own an investment property and want to access its equity, qualifying for a cash-out refinance can be challenging when rental income falls below monthly housing expenses.

Fortunately, there may be another option.

Low-Ratio Debt Service Coverage Ratio (DSCR) loans offer flexible financing options for qualified real estate investors whose properties don't meet standard rental income requirements. These programs primarily evaluate a property's rental income in relation to its monthly housing expenses, rather than relying on traditional personal income documentation.

Low-Ratio DSCR cash-out refinancing may help qualified investors:
✔️ Access equity without selling their property
✔️ Refinance an existing mortgage while obtaining cash out
✔️ Qualify without traditional personal income documentation
✔️ Explore financing options when rental income falls below monthly mortgage expenses
✔️ Put property equity to work toward their investment goals

👉 Swipe to see how we helped a Maui investor overcome rental income, title, and underwriting challenges to close an $800,000 Low-Ratio DSCR cash-out refinance.

Have a challenging investment property loan? Let's discuss your financing options.
📞 Call us at 866-996-9377
🌐 Visit www.myerscapitalvirginia.com

10/29/2026

Fall 2026 Mortgage Update: Look Deeper—New Opportunities for Buyers & Homeowners

Today’s housing market presents new challenges—but also opportunities for buyers who know where to look.

Rising inventory and increased seller flexibility are creating more room to negotiate, while new credit-scoring options and creative financing strategies may help make homeownership more attainable.

📊 In our Fall 2026 MortgageWise Newsletter, we cover:

• Mortgage Rate Outlook: Look Deeper — The Buyer’s Market Emerges
• Your Credit Score Now Has Some Competition
• The Return of the Negotiating Buyer
• Can Part of Your Home Help You Qualify for It?
• Buying a Home From Family? Consider a Gift of Equity

Whether you’re buying your first home, exploring rental income opportunities, or purchasing a home from a family member, understanding your options can help you make more confident, informed decisions.

🔗 Read the full issue: https://tinyurl.com/news-fall-2026

10/20/2026

🏠 Need Capital to Finish a Fix-and-Flip?

Buying an investment property with cash can give you flexibility—but when renovation costs exceed expectations, finding additional capital can become a challenge.

Bridge loans with construction holdbacks can help real estate investors fund remaining improvements and move projects toward completion without relying on traditional financing.

📍 Deal Spotlight:
Bridge Loan with Construction Holdback | Single-Family Fix-and-Flip | Abbeville, South Carolina

💡 The Deal
✅ $100,000 first-lien cash-out bridge loan
✅ $75,000 construction holdback
✅ As-Is Appraised Value: $200,000
✅ After-Repair Value (ARV): $475,000
✅ Loan-to-Value: 12.5%
✅ Loan-to-ARV: 21.05%
✅ 9-Month Term | Interest-Only
✅ Exit Strategy: Complete renovations and sell the property

🔑 The Outcome:
✅ Provided additional capital after renovation costs exceeded expectations
✅ Dedicated $75,000 to remaining construction and improvements
✅ Complemented additional liquidity provided by a separate cash-out bridge loan on the borrower's North Carolina investment property
✅ Helped support two investment property projects in different states—without cross-collateralizing the properties

At Myers Capital Hawaii, we work with real estate investors to structure creative bridge financing solutions around the property, project budget, and capital needs.

🔗 See the project details: https://tinyurl.com/bridge-loan-sc

Need financing for a fix-and-flip, construction holdback, or another investment property opportunity?
📞 Call us at 866-996-9377
🌐 Visit www.myerscapitalvirginia.com

10/20/2026

U.S. Real Estate Market Report – September 2026

Key Highlights:
-Existing Home Sales—Month Over Month: Up 1.5% in September.

-Existing Home Sales—Year Over Year: Down 2.2% in September – with a seasonally adjusted annual rate of 3.99 million.

-Median Existing Home Sales Price (all housing types): Up 1.3% to $417,500 from $412,300 in September 2025 – marks the 39th consecutive month of year-over-year price growth.

U.S. Housing Market Highlights – Sales of Previously Owned Homes:
✅ Year Over Year: -2.2% YoY (3.99M in September 2026 and 4.08M September 2025)
✅ Month-Over-Month: -1.5% from August
✅ Median Sales Price: +1.3% YOY to $417,500 – 39th straight month of annual price gains
✅ Median Days on Market: 33 days – up from 31 in August and unchanged from September 2025.

Sales By Property Type:
🏡 Single-Family Homes:
• +2.0% MoM to 3.64M seasonally adjusted annual rate
• -1.9% YoY
• Median price: $422,700 (+1.2% YoY)

🏢 Condominiums:
• -2.8% MoM to 350,000 units seasonally adjusted annual rate
• -5.4% YOY
• Median price: $363,700 (+1.2% YOY)

✅Regional Growth:
✔️ West: +2.8% MoM; 730,000 annual rate (-5.2% YOY)
Median price: $613,600 (-0.3% YOY)
✔️ South: +2.8% MoM; 1.86M annual rate (-0.5% YOY)
Median price: $361,000 (+0.2% YoY)
✔️ Midwest: 0% MoM; 930,000 annual rate (-2.1% YoY)
Median price: $329,600 (+3.1% YoY)
✔️ Northeast: -2.1% MoM; 470,000 annual rate (-4.1% YoY)
Median price: $523,600 (+4.7% YoY)

📈 Inventory:
• 1.60M units - total housing inventory: +1.9% from August; +4.6% YOY from September 2025.
• 4.8-month supply of unsold inventory, unchanged from August; and up 4.5 months from September 2025.

👥 Who’s Buying?
• Investors/Second-Home Buyers: 20% of transactions, up from 15% in August. Up from 15% in September 2025.
• First-Time Buyers: 31% of sales, up from 30% in August. Up from 30% in September 2025.

👉 Read more, https://tinyurl.com/nar-september-2026

10/15/2026

🏠 Bridge Loan Maturing? We Help Investors Transition to Long-Term Financing.

Bridge loans can provide short-term financing to acquire or reposition an investment property.

When a bridge loan approaches maturity, investors need an exit strategy to pay off the existing debt without necessarily selling the property.

A DSCR refinance may provide a solution.

Debt Service Coverage Ratio (DSCR) loans allow real estate investors to qualify based primarily on a property's rental income and its ability to cover the monthly mortgage payment, including principal, interest, property taxes, insurance, and applicable association dues.

This financing option may help eligible investors:
✅ Pay off a maturing bridge loan
✅ Transition to long-term financing
✅ Retain an income-producing investment property
✅ Secure available fixed-rate financing
✅ Qualify based on rental income rather than traditional personal-income documentation

👉 Swipe to see how we helped a client refinance a maturing bridge loan on a Honolulu condotel with a DSCR loan.

Have a bridge loan approaching maturity? Let’s discuss your refinancing options.
📞 Call us at 866-996-9377
🌐 Visit www.myerscapitalvirginia.com

10/08/2026

🏝️ Condotel Financing Can Be Challenging. We Help Navigate the Roadblocks.

If you’re looking to purchase a condotel as an investment, traditional condominium financing may not be an option. These specialized properties can present unique underwriting considerations, particularly when they are intended for short-term rental use.

Fortunately, there’s another option.

DSCR loans allow qualified real estate investors to qualify based primarily on the property’s rental income and its ability to support the monthly mortgage payment including principal, interest, taxes, insurance and applicable association dues - rather than traditional personal-income documentation.

This financing option may be ideal for:
✅ Investors purchasing eligible condotels
✅ Buyers acquiring short-term rental properties
✅ Investors with non-traditional income or documentation profiles
✅ Real estate investors seeking flexible financing options

DSCR financing may help qualified investors:
✔️ Purchase an eligible condotel
✔️ Finance short-term rental properties
✔️ Qualify based on rental income
✔️ Access available fixed-rate financing options
✔️ Structure financing around their individual circumstances

👉 Swipe to see how we helped a client overcome multiple underwriting challenges to purchase a Waikiki condotel with a DSCR loan.

Looking to finance a condotel or short-term rental? Let’s discuss your financing options.📞 Call us at 866-996-9377
🌐 Visit www.myerscapitalvirginia.com

10/01/2026

🏗️ Started Construction and Need More Capital?

Construction projects can require substantial capital—and sometimes borrowers need additional financing after the project is already underway.

Fortunately, there’s another option.

Cash-Out Bridge Loans with Construction Holdbacks can help qualified borrowers leverage available equity in an existing property while setting aside additional funds for construction costs.

This financing structure may be ideal for:
✅ Borrowers with substantial equity in an existing property
✅ Ground-up construction projects
✅ Major renovation or improvement projects
✅ Projects that need additional capital during construction
✅ Borrowers who need interest reserves
✅ Complex financing scenarios requiring flexible underwriting

Common uses include:
✔️ Accessing available equity
✔️ Funding new construction
✔️ Financing major improvements
✔️ Establishing interest reserves
✔️ Bridging to permanent financing
✔️ Providing additional liquidity during construction

By combining cash-out proceeds with a construction holdback, borrowers can access financing for both immediate liquidity and future construction costs through one customized bridge loan.

👉 Swipe to see how we recently structured a $1.15 million bridge loan with a construction holdback to help finance a ground-up construction project.

Looking to build a property?
Let’s discuss your goals and explore a financing structure that works for you.
📞 Call us at 866-996-9377
🌐 Visit www.myerscapitalvirginia.com

09/30/2026

U.S. Real Estate Market Report – August 2026

Key Highlights:
-Existing Home Sales—Month Over Month: Down 2.0% in August.

-Existing Home Sales—Year Over Year: Down 1.2% in August – with a seasonally adjusted annual rate of 3.98 million. The last time sales activity fell below 4.0 million was in June 2025.

-Median Existing Home Sales Price (all housing types): Up 1.6% to $429,100 from $422,400 in August 2025 – marks the 38th consecutive month of year-over-year price growth.

U.S. Housing Market Highlights – Sales of Previously Owned Homes:
✅ Year Over Year: -1.2% YoY (3.98M in August 2026 and 4.03M August 2025)
✅ Month-Over-Month: -2.0% from July
✅ Median Sales Price: +1.6% YOY to $429,100 – 38th straight month of annual price gains
✅ Median Days on Market: 31 days – up from 29 in July. Unchanged from 31 days in August 2025

Sales By Property Type:
🏡 Single-Family Homes:
• -1.9% MoM to 3.62M seasonally adjusted annual rate
• -1.1% YoY
• Median price: $434,800 (+1.7% YoY)

🏢 Condominiums:
• -2.7% MoM to 360,000 units seasonally adjusted annual rate
• -2.7% YOY
• Median price: $371,600 (+1.5% YOY)

✅Regional Growth:
✔️ West: 0% MoM; 720,000 annual rate (-2.7% YOY)
Median price: $619,100 (-0.2% YOY)
✔️ South: -1.6% MoM; 1.84M annual rate (0% YOY)
Median price: $366,500 (+0.7% YoY)
✔️ Midwest: -3.1% MoM; 940,000 annual rate (-2.1% YoY)
Median price: $340,400 (+3.3% YoY)
✔️ Northeast: -4.0% MoM; 480,000 annual rate (-2.0% YoY)
Median price: $556,900 (+4.3% YoY)

📈 Inventory:
• 1.62M units - total housing inventory: +3.2% from July; +5.9% YOY from August 2025.
• 4.9-month supply of unsold inventory, up from 4.6 months in July; and 4.6 months in August 2025.

👥 Who’s Buying?
• Investors/Second-Home Buyers: 15% of transactions, up from 14% in July. Down from 21% in August 2025.
• First-Time Buyers: 30% of sales, up from 29% in July. Up from 28% in August 2025.

👉 Read more, https://tinyurl.com/nar-august-2026

09/23/2026

📢 NEW DATE — JOIN US ON OCTOBER 5

Our affiliate, Myers Investment Group, is participating in a live webinar on Monday, October 5.

Join Reed Myers and CamaPlan’s Matt Moore for a conversation about private mortgage funds, real estate-backed private credit, and how investors may participate in private lending without directly owning or managing property.

🔗 Register now: https://tinyurl.com/webinar-camaplan-myers

📢 NEW DATE — JOIN US ON OCTOBER 5

Discover how private mortgage funds provide access to real estate-backed private credit—without the responsibilities of directly owning and managing property.

Instead of owning real estate, learn how investors can participate as lenders and access income-oriented opportunities backed by real estate.

🎙️ Private Mortgage Funds Explained: From Capital to Cash Flow
📅 Monday, October 5, 2026
⏰ 10 AM HST | 4 PM EST

Join Reed Myers, Principal of Myers Investment Group, and Matt Moore, Business Development Manager at CamaPlan (a self-directed IRA custodian), for a live webinar exploring how Private Mortgage Funds work and the role private credit can play in an investor’s portfolio.

✅ What You’ll Learn:
🔹 How Private Mortgage Funds work—and why investors are considering them
🔹 How investor capital is deployed through short-duration, real estate-backed lending strategies
🔹 How funds are structured, including waterfalls and distribution mechanics
🔹 What to look for when evaluating private mortgage funds—including in changing interest rate environments
🔹 Key differences between fund investing and direct mortgage investments
🔹 Core risk mitigation strategies designed to help protect investor capital
🔹 How Self-Directed IRAs can be used to invest, including potential tax advantages
🔹 Real-world case studies and examples of fund performance

🔗 Register now: https://tinyurl.com/webinar-camaplan-myers

⚡ Spots are limited—reserve your seat today!

📞 Questions? Contact Myers Investment Group at (808) 566-6611
🌐 Visit www.PassiveReturn.com