Skool 资料页
INVEST IN REAL ESTATE CLASS
At the end you will own multiple investments properties1-Mortgage Approval Process 2-Credit Mistakes that gets You Denied 3-How to find the right deal
🏠 Residential Home Loan – Key Elements
1. Credit Profile Programs like FHA Loan allow lower scores (often ~580+), while conventional loans require stronger credit.
2. Income & Stability
3. Debt-to-Income Ratio (DTI)
4. Down Payment
5. Property AppraisalThe home must meet value and condition standards.
🏢 Commercial Property Loan – Key Elements
This is a different game. It’s less about you and more about the deal itself.
1. Property Income (Cash Flow is King)Lenders focus heavily on whether the property generates income.Key metric:
2. Down Payment / EquityCommercial loans typically require:
More skin in the game = less risk for the lender.
3-Property Type & RiskDifferent properties carry different risk levels:
4- Lease Structure
~43–50% depending on the program
Conventional: 3%–20%+
FHA: 3.5%
Some programs: 0% down (with qualifications)
DSCR (Debt Service Coverage Ratio) Usually must be ≥ 1.20–1.30 Meaning the property earns 20–30% more than the debt payment
Multifamily
Retail / office