Thank you very muchJaša This is how traditional banks, private credit funds and anyone in the lending space works.The challenge you will have is finding someone to give you money at X%. 

Quick tips…✅ Everyday Homeowners - track all home improvements as you could qualify for energy efficiency home improvement credit - new exterior windows, new central A/C, new hot water heater, new insulation material.✅ Investors - Keep detailed records of ALL rental property expenses to reduce your taxable income - helping your CPA spot additional tax saving opportunities.Imperative to use a CPA who is well versed in Real Estate tax code.My CPA is just that - DM me to get his contact information....

Be ready for a huge amount of information at your finger tips.

if you're a few years out before starting in the US with RE Investing, the best thing you can do is work on your credit and safe money and start establishing business credit with banks and credit unions here in the USenjoy Panama, and good luck

For insider tips, check out blog posts by local favorite Bobby Vegas, who shares all the best spots, including the Rainbow Club and Emerald Island casinos.——————————————————————————————————🎄 Enchant Christmas Returns to Las Vegas!

Great credit scores and plenty of income from my W-2 source. 

Quote from @Monica Gonzalez: @Deandre Brown Thank you for all those tips!

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Buckets are the credit/exp requirements for leverage and rate. 

Quote from @River Sava: Hey April - Refinancing after a year if there's limited equity depends on your goals—lowering your monthly payment, cashing out, or switching loan types.The process usually involves checking your current loan terms, appraised value, and credit situation.