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Lendmire Research

Lendmire Research publishes analysis on mortgage markets, loan programs, and home financing trends — produced by Lendmire's editorial team and reviewed by our licensed mortgage professionals.

Can I Expense Original Mortgage Points After I Refinance A Rental Property?

October 11, 2026August 20, 2026 by Lendmire Research
Can I Expense Original Mortgage Points After I Refinance A Rental Property?

Points on a rental loan are never deducted in full the year they’re paid — they’re spread across the loan’s life.

Categories DSCR Loans, Investment Properties, Refinance Strategies

Tips For Preparing Bank Statements For HELOC Approval.

October 12, 2026August 19, 2026 by Lendmire Research
Tips For Preparing Bank Statements For HELOC Approval

Getting statements ready starts 60-90 days before applying, not the week before.

Categories Bank Statement Loans, HELOC

Can You Get HELOC On Investment Property?

October 14, 2026August 19, 2026 by Lendmire Research
Can You Get HELOC On Investment Property?

Can You Get HELOC On Investment Property — Yes, but it is a narrow product.

Categories DSCR Loans, HELOC, Investment Properties

Bank Statement Mortgage Loans For Self Employed

October 12, 2026August 19, 2026 by Lendmire Research
Bank Statement Mortgage Loans For Self Employed

They exist because self-employed borrowers who legitimately write off business expenses often show adjusted gross income far below their actual cash flow.

Categories Bank Statement Loans

Apartment Investment Property Refinance Loan Financing

October 11, 2026August 19, 2026 by Lendmire Research
Apartment Investment Property Refinance Loan Financing

A duplex, triplex, or fourplex refinances through residential-style DSCR or non-QM channels, qualifying primarily on rent covering the payment.

Categories DSCR Loans, Investment Properties, Refinance Strategies

How Many Months Of Bank Statements For Mortgage Loan?

October 11, 2026August 19, 2026 by Lendmire Research
How Many Months Of Bank Statements For Mortgage Loan?

Self-employed borrowers using a bank statement loan submit 12 to 24 months, because the deposits themselves become the income calculation.

Categories Bank Statement Loans

HELOC Rejection Business Owner Adjusted Gross Income

October 11, 2026August 19, 2026 by Lendmire Research
HELOC Rejection Business Owner Adjusted Gross Income

Every legitimate deduction a CPA takes to lower a tax bill also lowers the AGI figure a lender plugs into its debt-to-income math.

Categories DSCR Loans, HELOC, Investment Properties

How To Get A Hard Money Loan For Rehab

October 12, 2026August 19, 2026 by Lendmire Research
How To Get A Hard Money Loan For Rehab

The loan is short-term by design: the investor exits by selling the finished property or refinancing into longer-term financing once it’s stabilized.

Categories DSCR Loans, Hard Money Loans, Investment Properties

Which Wichita Banks Or Credit Unions Give Home Equity Loans On Investment Property?

October 11, 2026August 19, 2026 by Lendmire Research
Which Wichita Banks Or Credit Unions Give Home Equity Loans On Investment Property?

Which Wichita Banks Or Credit Unions Give Home Equity Loans On Investment Property?

Categories DSCR Loans, HELOC, Investment Properties

Self Employed Mortgage Lending

October 12, 2026August 19, 2026 by Lendmire Research
Self Employed Mortgage Lending

Agency lenders still lean on two years of tax returns and a 25%-ownership test.

Categories Bank Statement Loans

Home Equity On Investment Property

October 11, 2026August 19, 2026 by Lendmire Research
Home Equity On Investment Property

Home Equity On Investment Property — Yes, you can pull equity out of a rental, but underwriting treats it nothing like a primary home.

Categories DSCR Loans, HELOC, Investment Properties

Apartment Investment Property Refinance Loan Finance

October 12, 2026August 19, 2026 by Lendmire Research
Apartment Investment Property Refinance Loan Finance

Apartment Investment Property Refinance Loan Finance — Unit count decides everything before a lender even looks at the numbers.

Categories DSCR Loans, Investment Properties, Refinance Strategies

Hard Money Loan For Auction

October 12, 2026August 19, 2026 by Lendmire Research
Hard Money Loan For Auction

The mechanics look very different depending on where you’re bidding, though.

Categories DSCR Loans, Hard Money Loans, Investment Properties

How Is Self Employment Income Calculated For A Mortgage?

October 13, 2026August 19, 2026 by Lendmire Research
How Is Self Employment Income Calculated For A Mortgage?

Non-QM lenders often replace that with bank deposits and an expense factor instead of a tax return.

Categories Bank Statement Loans

Requirements For A Stated Income HELOC

October 12, 2026August 19, 2026 by Lendmire Research
Requirements For A Stated Income HELOC

Investors holding property in an entity typically need a different structure altogether.

Categories DSCR Loans, HELOC, Investment Properties
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