Ronald Richards

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About Me

Strategist/Mother/Advisor/Dream Facilitator

Director of Innovative Mortgage Solutions

🥇 $150m Loans Processed & 12yrs+ Expertise in Home Financing

⭐ Top 2% of Mortgage Advisors Nationwide ’23

Your journey to financial freedom starts here.

Let’s create your success story together!!!

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Blog & Insights

Expert Tips

Prepayment Penalties on DSCR Loans and State Rules

Review the most common reasons a DSCR loan application gets denied, from a low debt service coverage ratio to property condition, title, and entity issues.

Expert Tips

How Lenders Determine Market Rent on a DSCR Loan

See how DSCR is calculated for long-term rentals, short-term rentals, and interest-only loans, and learn why the same property can produce three different ratios.

Expert Tips

How DSCR Is Calculated on an Investment Property Loan

See how DSCR is calculated for long-term rentals, short-term rentals, and interest-only loans, and learn why the same property can produce three different ratios.

Expert Tips

Interest Only DSCR Loans: How ITIA Instead of PITIA Raises Your Coverage Ratio

Leran how an interest only structure swaps ITIA for PITIA to lift your DSCR ratio and unlock better pricing and leverage.

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