I Am Andrew Russell

I Am Andrew Russell Andrew Russell MLO
🏡 Make homeownership a reality for all!
#1 Self Employed Loan Expert
NAMB Mortgage Broker of the Year🏆
NMLS #217975

Founder of RCG Mortgage l Here to share info on all things Mortgages and Real Estate! Scotsman Guide's 2023 Top Mortgage Broker Loan Originator #1 Long Island | #1 New York | #10 Country

This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site

06/15/2026

Most investors stop at property 3 not because the market stopped them, but because their financing structure did. DSCR loans qualify on what the property earns, not what you earn. That's a completely different game, and most people scaling right now don't know it exists.

Drop SCALE if you want to see how your current portfolio maps to DSCR.

06/14/2026

Rates are noise. These five numbers are a signal. If you're making buy-or-wait decisions based on where the 30-year is sitting, you're one layer above the actual data that moves deals. Pull these for your target market, and the picture changes fast.

Comment NUMBERS for the five-metric scorecard to pull for your market.

06/14/2026

Most investors are waiting on median home price to tell them when to buy. That's a lagging indicator. It tells you what already happened. The five signals I ranked here are what the smart money actually tracks before prices move.

Drop SIGNALS if you want the breakdown applied to your market.

06/13/2026

The DSCR debate is real, and I hear it from investors every week. Rates feel high, cap rates feel thin, and the window to scale feels unclear. The answer isn't picking a side, it's building a structure that wins whether rates drop or not.

Drop KEYS if you want the refinancing strategy broken down for your portfolio.

06/12/2026

A 40-point credit score difference on a $350K loan can cost you over $100 more every single month. That is not a rounding error. That is the tier you land in, and most buyers do not know the tiers exist until after they have already locked a rate. Know your number before you apply, not after.

Comment BREAKDOWN for your personalized tier breakdown based on your actual loan amount.

06/12/2026

This video follows a real first-time buyer who was paying $1,800 a month in rent and convinced she couldn't afford to buy, until an FHA loan with 3.5% down completely changed her math. The whiteboard breaks down exactly what she was losing every month to rent versus what she started building in equity once she got the right loan structure in place. If you're a renter who's been sitting on the fence because 20% down feels impossible, this is the breakdown that shows you what's actually within reach right now.

Drop KEYS if you want your own before/after breakdown.

06/11/2026

This video explains why a fixed-rate mortgage payment can still go up after closing, something most first-time buyers don't find out until the letter from their servicer arrives. The breakdown covers how escrow adjustments taied to rising property taxes and homeowners insurance quietly increase your monthly payment, and two moves you can make before closing to protect your budget. If you're buying your first home and you've only been shown the principal and interest number, this one is for you.

Drop KEYS if you want the full breakdown before you close.

06/10/2026

Most first-time buyers think picking a mortgage means picking a rate, but the loan structure you choose right now determines how fast you build equity and what your home is actually worth to your net worth over time. This video breaks down the real difference between locking a 30-year fixed and refinancing later versus going with an ARM, and how each one plays out as a wealth-building move depending on how long you plan to stay. If you're buying in the next 6 to 12 months and you haven't thought about your mortgage this way yet, this is the conversation you need to have before you sign anything.

Drop INVEST if you want a breakdown of which structure fits your numbers.

06/10/2026

The 'hold forever' strategy only works if your numbers still support it. When equity is stacked, rent-to-value has compressed, and vacancy is creeping up in your metro, the data is telling you something most investors refuse to hear. These five thresholds are what I actually watch before I decide to exit a position and redeploy capital somewhere it works harder.

Comment NUMBERS for the exit scorecard.

06/08/2026

This video follows a self-employed first-time buyer who was rejected by two conventional lenders before getting approved through a bank statement loan program. The story breaks down exactly why W-2-based underwriting fails business owners and freelancers, and how measuring deposits instead of taxable income changed the entire outcome. If you're self-employed and you've been told your income doesn't qualify, this is the case study that shows a real path forward.

Drop KEYS if you want to know if a bank statement loan works for your situation.

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490 Wheeler Road Ste 252
Hauppauge, NY
11788

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