Certain expenses on your tax return—especially depreciation—can often be added back to your income when we calculate your qualifying earnings for a mortgage. Depreciation is a non-cash expense. It reduces taxable income for IRS purposes, but it doesn’t actually reduce the money you earned.
One of the biggest misconceptions in real estate is that buyers decide to purchase based only on mortgage rates. In reality, buyer decisions are driven by confidence and clarity, not just interest rates. After working with many buyers, a pattern becomes very clear. Most buyers move forward when three psychological factors align.
In today’s real estate market, submitting an offer is only part of the equation. What many buyers don’t realize is that once an offer is presented, listing agents often take an additional step before advising their sellers.
The strongest short-term predictor for the next month is usually pending sales and new listings, because closings lag contracts.
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MDG Management Group LLC
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