Commercial vs Residential Property: The 1 Number That Changes Your Whole Loan
One to four units gets you residential financing — low down, 30-year fixed, qualify on your income. Five or more flips the whole loan into commercial. Here's exactly where that line sits and what changes the moment you cross it.
Read the guide →
Why Are Land Loans So Hard to Get? How to Actually Finance Land
Land is genuinely the hardest thing in real estate to finance — no house means weak collateral. Here's why lenders treat dirt so differently, plus the real workarounds that actually get land bought.
Read the guide →
Property Taxes Can Wreck Your Budget 3 Ways
Most people treat property taxes like a fixed line item. It isn't. Here are the three ways they quietly spike your payment: the escrow shortage shock, the SALT cap, and post-purchase reassessment.
Read the guide →
Buying 5+ Units? Why Multifamily Loans Become Commercial
The jump from a fourplex to a five-plex looks tiny — one extra door — but it flips you out of residential lending and into commercial, where the down payment and the risk change overnight.
Read the guide →See what you can actually afford, by property type
Run the free calculator to see the real income and down payment behind any property — residential or commercial. Free, and I don't originate loans, so there's nothing being sold on the other end.
Open the Free Calculator →