Andrey Kozorezov - Mortgage Loan Officer - NMLS 1937814

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With 25+ years in the real estate and mortgage industries, Andrey has extensive experience to help you regardless whether you are a first time home buyer, upgrading, downsizing or you are a seasoned investor looking to expand your portfolio.

Multifamily investors need more than a standard mortgage—they need financing that supports cash flow, leverage, and long...
04/11/2026

Multifamily investors need more than a standard mortgage—they need financing that supports cash flow, leverage, and long-term portfolio growth. This guide compares DSCR, commercial, bridge, portfolio, and other financing strategies, including qualification requirements, trade-offs, and when each option makes sense. The right loan structure can improve your buying power, protect liquidity, and help you scale with fewer financing surprises.

https://moneywellcapital.com/

DSCR financing only makes sense when the rental property’s numbers work—not just because an investor wants to avoid pers...
03/11/2026

DSCR financing only makes sense when the rental property’s numbers work—not just because an investor wants to avoid personal income documentation. This multifamily example breaks down the loan amount, rental income, expenses, debt-service coverage ratio, cash flow, and required reserves using real math. It’s a practical way to evaluate whether a property can support the financing and help you scale without overstating the benefits or ignoring the trade-offs.

https://moneywellcapital.com/

Need home equity without making the wrong move? A HELOC can offer flexible access to funds but usually brings monthly pa...
03/11/2026

Need home equity without making the wrong move? A HELOC can offer flexible access to funds but usually brings monthly payments, while a reverse mortgage may improve retirement cash flow and eliminate required monthly mortgage payments for eligible homeowners age 62 and older. The better fit depends on your income, credit, equity, repayment capacity, long-term plans, and whether preserving equity or maximizing cash flow matters most. This comparison breaks down the real trade-offs so you can choose a strategy that supports your financial goals.

https://moneywellcapital.com/

VA and FHA loans can both help buyers get approved, but they solve different financing problems. VA may offer eligible b...
03/11/2026

VA and FHA loans can both help buyers get approved, but they solve different financing problems. VA may offer eligible borrowers zero-down financing, no monthly mortgage insurance, and strong affordability—while FHA can be more flexible for buyers with lower credit scores or limited funds. This comparison breaks down the real trade-offs, qualification requirements, and borrower scenarios so you can choose the loan strategy that best supports your purchase and long-term financial goals.

https://moneywellcapital.com/

DSCR and bank statement loans solve different financing problems, and choosing the wrong one can limit your approval or ...
03/11/2026

DSCR and bank statement loans solve different financing problems, and choosing the wrong one can limit your approval or reduce investment cash flow. DSCR loans qualify primarily through a property’s rental income, while bank statement loans use business deposits to evaluate a self-employed borrower’s personal income. This comparison breaks down qualification standards, documentation, leverage, costs, and the borrower scenarios where each strategy makes the most sense—so you can structure the financing around your investment or refinance goals.

https://moneywellcapital.com/

A VA streamline refinance can reduce your rate and monthly payment with less documentation and fewer out-of-pocket costs...
03/11/2026

A VA streamline refinance can reduce your rate and monthly payment with less documentation and fewer out-of-pocket costs—but it only makes sense when the savings justify the refinance expense. The VA IRRRL is designed for eligible borrowers who already have a VA loan, and it generally cannot be used to pull cash out or consolidate other debt. Compare your break-even point, term reset, closing costs, and long-term savings before moving forward so your refinance improves your financial position—not just your payment.

https://moneywellcapital.com/

Used your VA loan benefit before and wondering whether you can use it again? Entitlement may be restored after selling a...
03/11/2026

Used your VA loan benefit before and wondering whether you can use it again? Entitlement may be restored after selling and paying off the loan—or in certain cases while keeping the property—depending on your eligibility and remaining entitlement. Understanding the rules can help you avoid unnecessary cash requirements and determine whether a second VA loan, conventional financing, or another strategy best supports your next purchase.

https://moneywellcapital.com/

DSCR loan reserves can determine whether an investment property closes smoothly—or stalls at underwriting. This article ...
21/10/2026

DSCR loan reserves can determine whether an investment property closes smoothly—or stalls at underwriting. This article explains how much cash investors may need to hold, what lenders typically count as reserves, and how reserves affect loan approval and portfolio growth. You’ll also see practical strategies for managing liquidity without tying up more cash than necessary.

https://moneywellcapital.com/

A reverse mortgage can eliminate monthly mortgage payments and unlock home equity—but using it to consolidate debt requi...
19/10/2026

A reverse mortgage can eliminate monthly mortgage payments and unlock home equity—but using it to consolidate debt requires a careful look at costs, eligibility, heirs, and long-term retirement cash flow. This article explains when the strategy may improve financial stability, when it could create new risks, and how it compares with refinancing, a HELOC, or other debt-consolidation options. If you’re 62 or older and evaluating your next move, the right answer depends on your equity, income, debt obligations, and long-term housing plans.

https://moneywellcapital.com/

Refinancing a rental property only makes sense when the new loan improves your overall investment position—not simply be...
17/10/2026

Refinancing a rental property only makes sense when the new loan improves your overall investment position—not simply because rates changed. The right analysis compares the monthly savings, cash-out potential, closing costs, prepayment penalties, DSCR qualification, and how long you plan to hold the property. For some investors, a DSCR refinance can improve cash flow or unlock equity without using personal income documentation; for others, the costs may outweigh the benefits. This article breaks down when refinancing strengthens your portfolio—and when keeping the current loan is the smarter move.

https://moneywellcapital.com/

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