Gold Real Estate Group — The Journal https://thegoldrealestategroup.com/blog/ Central Texas real estate and mortgage articles by Roman Svyatetskiy — dual-licensed REALTOR® and Mortgage Loan Officer serving San Antonio, Boerne, and the Texas Hill Country. en-us Wed, 20 May 2026 09:00:00 -0500 GoldrealestateRS@gmail.com (Roman Svyatetskiy) DSCR Loan Texas: How Rent Qualification Actually Works in 2026 https://thegoldrealestategroup.com/blog/dscr-loan-texas-rent-qualification-guide/ https://thegoldrealestategroup.com/blog/dscr-loan-texas-rent-qualification-guide/ Fri, 15 May 2026 09:00:00 -0500 Mortgage The real-world math behind DSCR loans in Texas — how lenders calculate the ratio, why 1.0 vs 1.25 matters, and the property tax trap that sinks Texas investors. Texas Cash-Out Refinance: DTI and LTV Rules Explained https://thegoldrealestategroup.com/blog/texas-cash-out-refinance-dti-ltv-rules/ https://thegoldrealestategroup.com/blog/texas-cash-out-refinance-dti-ltv-rules/ Wed, 22 Apr 2026 09:00:00 -0500 Mortgage Texas homestead cash-out has stricter rules than the rest of the country. Here is exactly how the 80% LTV cap, 12-day cooling-off period, and 2% fee ceiling actually apply. First-Time Homebuyers in San Antonio: The Free Class Path https://thegoldrealestategroup.com/blog/first-time-homebuyers-san-antonio-free-class-path/ https://thegoldrealestategroup.com/blog/first-time-homebuyers-san-antonio-free-class-path/ Mon, 30 Mar 2026 09:00:00 -0500 Buying A step-by-step, no-jargon roadmap for first-time buyers in San Antonio — from the free homebuyer class through closing day, plus the down payment assistance programs actually worth applying for. Dual-Licensed Realtor + Mortgage Officer: Why It Saves Deals https://thegoldrealestategroup.com/blog/dual-licensed-realtor-mortgage-officer-why-it-saves-deals/ https://thegoldrealestategroup.com/blog/dual-licensed-realtor-mortgage-officer-why-it-saves-deals/ Wed, 18 Feb 2026 09:00:00 -0600 Buying When the person writing your offer is also underwriting your loan, six things change — and every one of them adds up to a deal that actually closes. Non-QM Credit Strategy: Bank Statement, DSCR, and Hard Money in Texas https://thegoldrealestategroup.com/blog/non-qm-credit-threshold-strategy-bank-statement/ https://thegoldrealestategroup.com/blog/non-qm-credit-threshold-strategy-bank-statement/ Sun, 25 Jan 2026 09:00:00 -0600 Mortgage When Fannie and Freddie say no, Non-QM says maybe. Here is how bank statement, DSCR, and hard money loans stack up in Texas — plus the credit thresholds and down payment tiers that actually apply in 2026.