Salvador Cortez Mortgage Absolute Mortgage Group

10/30/2026

If you know you know

10/26/2026

YOU'RE INVITED! 🤝

Want to connect with people who believe in giving back and making a difference?

Join us this Tuesday for our Hispanic Rotary Club meeting!

📅 Tuesday, October 27
🕠 5:45 PM
📍 El Tapatio – Natomas

Come meet our members, learn about our community projects, and see how you can get involved.

You don't have to be a Rotary member to attend. Bring a friend!

10/21/2026

In Boston to see Addrienne row 🛶

10/20/2026

Everyone is talking about Fannie Mae’s new rental income rule… but is it really better for homebuyers?

The new guideline may make it easier to qualify without having a tenant in place, but there’s a catch.

If you're buying a new primary residence and turning your current home into a rental, the market rent supported by comparable properties could make a big difference in your qualifying income.

For example:
A tenant is willing to pay $3,000/month, but the rental comps only support $2,600.

That could mean **$300 less per month in qualifying rental income** after Fannie Mae’s 75% calculation — even if your tenant is ready to pay more.

And if the available rental data isn't enough, you may need an additional appraisal, adding another potential cost to your transaction.

The bottom line? **Easier doesn't always mean better.** Understanding how these guidelines affect your numbers can make all the difference when planning your next move.

Sacramento homeowners and Realtors, don't just read the headline. Let's look at how the numbers actually work. 📲

Have questions about how this could affect your next purchase? Send me a message!

10/19/2026

Just because you're approved for $550,000 doesn't mean that's what you should spend.

I've been on both sides of real estate, as a lender and as an investor.

And one thing I've learned is that the prettiest house isn't always the best investment.

Sometimes the opportunity is in the house that needs work. The one with rental potential. The one where you can create equity instead of just hoping the market goes up.

Of course, the numbers have to make sense. Renovations cost money, and equity isn't guaranteed.

Don't just ask how much house you can afford. Ask what that house can do for your future.

Comment **EQUITY** if you want to explore buying a home with wealth-building potential.

Salvador Cortez | Absolute Mortgage Group
NMLS #1813194 | DRE #01984895

10/16/2026

Comment HOW and I'll show you how I did it.

10/15/2026