Edge Mortgage Pro Team

06/04/2026

Could your tax deductions torpedo your home purchase or refinance?

It depends on how you get paid.

If you’re a W2 employee, qualifying your income is usually pretty simple,
lenders look at your paystubs, W2s, and verify your employment.

But if you’re:
• Self-employed
• A 1099 earner
• A business owner
• Or have income from investments or multiple sources

Then your tax returns become a major part of the approval process,
and could become a major headache!

It’s where many Non-W2 buyers run into issues.

You may have strong cash flow, but after write-offs, your income can look much lower on paper.

The good news is, there are other options.

Alt-Income loans can qualify you using:
✔ Bank statements
✔ Profit & Loss statements
✔ 1099 income
✔ Assets instead of income

If your income doesn’t fit the traditional mold, that doesn’t mean you’re out—it just means you need the right approach.

Message me “Torpedo” and let’s go over your options.

06/04/2026

While some homeowners are waiting for rates to drop… others are already upgrading their homes.

In fact, 43% of homeowners made improvements last year.

This isn’t just about rates, but because they had equity and a plan.

Right now, there’s a growing gap between homeowners who are using their equity to improve their lifestyle—and those who are sitting on it.

If you’ve built strong equity and have solid credit, you may have more options than you think.

Not loving your home like you used to?
Your equity might be the key to turning it into something you truly love again—while increasing its value at the same time.

Message me “REMODEL” and let’s talk through what could be possible.

06/03/2026

This isn’t a rate market. It’s a timing market.
Buyers: this is the first buyer’s market in a decade. Wait, and you could miss out on all of the perks.

1️⃣Rates are down from 2025, so your buying power is up. Homes that felt out of reach last year may now fit your budget.

2️⃣More homes to choose from. Listings are growing, which means better options and less competition.

3️⃣Sellers are more flexible. You’re more likely to get concessions to help cover closing costs, and VA buyers, or FHA buyers using down payment assistance have a better shot at getting offers accepted, compared to seller’s market conditions where cash and conventional offers usually win deals.

4️⃣Monthly payments are dropping. The average home payment is much lower than in 2025.

5️⃣Refinance down the road if rates fall. Lock in your home now, then jump on potential savings later.

06/02/2026

💡 Did You Know?

You may be able to buy a 2-, 3-, or even 4-unit property with just 3.5% down using an FHA loan.

But there's one important rule:

🏠 You must live in the property as your primary residence.

FHA financing can't be used to buy a second home or a stand-alone investment property.

Here's why many buyers love this strategy:

✅ Buy up to a 4-unit property with as little as 3.5% down

✅ Live in one unit

✅ Rent out the others

✅ In many cases, the rental income can help you qualify

✅ Start building equity and rental income at the same time

A lot of people think they need to buy a home first and become an investor later.

For the right buyer, a duplex, triplex, or fourplex can help you do both from day one.

This is one of the most underused wealth-building strategies available in real estate.

Want to see whether a multi-unit property could work for your situation? Let's talk.

06/01/2026

With recent updates from HUD and the Federal Housing Finance Agency (FHFA), your credit pull shouldn’t be automatic… it should be a strategy.

Here’s why 👇

With FICO and VantageScore 4.0 now allowed, the scoring model used can impact your approval.

Same borrower.
Same credit history.
Different model.
Different result.

Sounds crazy—but it’s real.

Most people think it’s just about having a “good score.”

Not anymore.

It’s about how your credit is being evaluated and which model gives you the best shot.

That’s why working with the right mortgage pro matters.

Before you start shopping, make sure you’re set up to win.

05/26/2026

Did you know?
A profitable flip can still turn into a huge loss…
just because of how it’s financed or structured.

Wrong loan
Wrong entity setup
Wrong tax strategy

You don't know, what you don't know.

That's why working with a broker, like myself, who knows what they’re doing and teams up with the right professionals can help you avoid costly mistakes.

Here's an article by a friend that's MUST reading if you are flipping or looking into it.


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You bought a property, renovated it, and six months later sold it for a $100,000 profit; then you filed your return reporting capital gains, and your CPA never asked the question that actually mattered. The question is whether you are a dealer or an investor, because, if you are a dealer, your $100,

05/25/2026