NewGen Realty & Development

07/25/2026

07/24/2026

Financing option that may be especially helpful for investors purchasing or refinancing 5–10 unit multifamily and mixed-use properties.

One of the biggest challenges investors face with these property types is that many lenders calculate additional operating expenses—such as vacancy, utilities, and maintenance—when determining the Debt Service Coverage Ratio (DSCR). Those added expenses can lower the DSCR, which may reduce the loan amount or limit the available loan-to-value (LTV).

Our program takes a different approach. Instead of factoring in those additional operating expenses, only property taxes, insurance, and HOA dues (when applicable) are included in the expense calculation. This streamlined approach can result in a stronger DSCR, allowing for greater leverage and more financing flexibility.

5–10 Unit Multifamily Properties

* Lite Doc Program: Simplified financing with minimal documentation.
* Light Expense Calculation: Only property taxes, insurance, and HOA (if applicable) are included when calculating DSCR.
* Loan Amounts: $400,000 to $2 million.
* LTV: Up to 75% for purchases and 70% for rate-and-term or cash-out refinances.
* Eligibility: Minimum 400 sq. ft. per unit. Rural properties are eligible.
* Occupancy: Minimum 80% occupied; no stabilization required.

Mixed-Use Properties

* Lite Doc Program: Streamlined financing with minimal documentation.
* Light Expense Calculation: Only property taxes, insurance, and HOA (if applicable) are included when calculating DSCR.
* Loan Amounts: $400,000 to $2 million.
* LTV: Up to 75% for purchases, 70% for rate-and-term refinances, and 65% for cash-out refinances.
* Property Requirements: Up to 8 units, with at least 51% of the property’s square footage and rental income derived from residential use.
* Occupancy: Minimum 80% occupied; no stabilization required.

07/24/2026

07/24/2026

🚨 PRICE REDUCED – MOTIVATED SELLER! 🚨

Looking for a property that offers space, flexibility, and income potential? This beautifully maintained home in Pico Rivera is one you won’t want to miss!

🏡 Main House: 3 Bedrooms | 2 Bathrooms
🏠 Brand-New Detached ADU: 2 Bedrooms | 1 Bathroom
✨ Approx. 2,293 sq ft combined living space
🚗 3 parking spaces + plenty of street parking
🌳 Corner lot with a mature mango tree
🔑 Move-in ready and will be delivered vacant

💲 Now Offered at $1,150,000

📩 Message me for more information or to schedule a private showing!

07/23/2026

🚨 Housing Starts Jumped 19%... But That’s Not the Whole Story.
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The latest housing report made headlines with a 19% increase in housing starts for June. At first glance, it sounds like home construction is booming.
Here’s what really stood out to me:
🏢 Most of the increase came from multifamily construction, such as apartment buildings.
🏠 Single-family housing starts remained essentially flat, and permits for future single-family homes actually declined, suggesting builders are still taking a cautious approach.
💭 What does this mean for buyers and sellers?

While more housing is being built overall, the single-family market isn’t expanding at the same pace. That’s why it’s important to look beyond the headlines and understand what’s happening in your local market.

For buyers: More multifamily development may increase rental options, and some builders may continue offering incentives on new homes.

For sellers: National headlines don’t always reflect what’s happening in your neighborhood. Every market is different, and understanding local trends is key to making informed real estate decisions.
As a California Real Estate Broker, I believe in helping my clients understand what the data means—not just the headlines.

📍Source: U.S. Census Bureau & U.S. Department of Housing and Urban Development, June 2026 New Residential Construction Report

HomeSelling NewConstruction RealEstateNews

07/23/2026

🚜 Yes, rural properties can be financed.

🏡 Country Homes
🌾 Ranches
🏔️ Cabin Rentals
🌲 Vacation Properties

✔ Up to 20 Acres
✔ STR & LTR Eligible
✔ Competitive Financing Options
✔ Agricultural Zoning Eligible (when qualified)

There are financing options designed with investors in mind.

LandInvestment VacationRental CaliforniaRealEstate PassiveIncome NewGenRealty

07/21/2026

A DSCR (Debt Service Coverage Ratio) Loan is designed for real estate investors who want to qualify based primarily on a property’s income potential rather than their personal income.
It’s become one of the most popular financing options for investment properties and short-term rentals.
Curious if it could work for your next investment?
📩 Send me a message!
Information provided for educational purposes only. Financing is subject to lender approval and program guidelines.

07/21/2026

08/03/2025

📋 What Actually Happens During Probate? From filing the will to closing the estate here's the step-by-step breakdown of the process. ⚖️💼