It's used to determine the cost of producing a product or service, and is a key tool for businesses to remain competitive and profitable.

This is more of a commercial product I mentioned.

I'll be ramping up my lending activities in the years to come.There's no shortage of demand when it comes to financing so I'm not sure why lenders offer these high LTV products either.

My focus this time around is working with a reliable team and delivering a quality product.  

Each lender will have to follow Fannie/Freddie guidelines unless it's a portfolio product.

Conventional, FHA, and USDA all have products with very low downpayment options and government-subsidized rates for first time homebuyers who have a normal income.

Well that just happens to be where the majority of loan products offer the lowest rate available. 

Education is important, but I think the decision of how to invest money needs to hinge on how much capital you're likely to have to deploy to various activities and how much time you intend to invest actively managing deals versus selling your time into other productive endeavors. 

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

Or you have to look for commercial or DSCR mortgages.This may mean that people on one side of the wall at your local bank (in the residential lending) might have no clue that they have a product on the other side of the wall (in the commercial lending side).