Tam Nguyen

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Before y’all fire up the grills, dig into the BBQ, and enjoy today off, let’s take a few minutes to recognize and thank ...
09/07/2026

Before y’all fire up the grills, dig into the BBQ, and enjoy today off, let’s take a few minutes to recognize and thank the hardworking people who contribute every day to keeping our communities and our country moving forward.

From construction workers and healthcare professionals to teachers, first responders, small-business owners, truck drivers, office staff, and everyone in between—your hard work matters.

Labor Day is more than just a day off. It’s a celebration of the dedication, sacrifice, and determination of working people everywhere.

So enjoy the food, enjoy the time with family and friends, and most importantly—thank you to everyone who works hard every day to build a better tomorrow.

08/27/2026

What Does the Lender Look At? Fix & Flip underwriting is different from DSCR.

The lender will commonly evaluate:

Borrower
* Credit score
* Liquidity/reserves
* Real estate experience
* Completed flips
* Background (financial and violent related criminal background)
* Entity structure

Property
* Purchase price
* As-is value
* ARV
* Location
* Property type
* Comparable sales

Project
* Scope of work
* Contractor
* Timeline
* Heavy vs. light rehab
* Permits when applicable

Exit Strategy
* Sell
* Refinance
* DSCR refinance / BRRRR

Thinking about refinancing an investment property but worried you’ll get boxed into a one-size-fits-all option? This gui...
08/27/2026

Thinking about refinancing an investment property but worried you’ll get boxed into a one-size-fits-all option? This guide breaks down refinance routes that actually match how investors fund deals—whether you’re unlocking equity for a new purchase, consolidating expenses for a smoother cash flow plan, or repositioning a rental portfolio for growth. You’ll get a clear look at what underwriting typically cares about and how to choose the right path without losing momentum. If you want confident strategy for real estate timelines and investor income, this one’s worth your attention.

https://www.loansbytam.com

If you’re an investor trying to close fast, conventional underwriting can feel like it’s working against your deal—not w...
08/25/2026

If you’re an investor trying to close fast, conventional underwriting can feel like it’s working against your deal—not with it. Asset-based mortgage loans can be a smarter fit when your project’s value is in the property and you need a financing path that reflects real-world timelines, not one-size-fits-all bank rules. In this guide, we break down how asset-based lending works, what investors should expect in underwriting, and how to position your file for speed and clarity. When you’re balancing construction costs, renovation draw schedules, and rental income realities, having the right structure matters.

https://www.loansbytam.com

Fix-and-flip deals don’t care about your bank’s timeline—every day of delay squeezes the budget and puts profit at risk....
08/23/2026

Fix-and-flip deals don’t care about your bank’s timeline—every day of delay squeezes the budget and puts profit at risk. This article breaks down fix flip financing structures built to protect your bottom line, from underwriting realities to cash-flow planning that matches how real investors operate. If you’re tired of rigid documents and slow approvals, you’ll learn what to look for so your deal stays funded, on schedule, and under control. Worth reading if you want a smarter path to financing that actually supports the way your project runs.

https://www.loansbytam.com

Running an investment property bankroll can’t wait for endless paperwork. If you’re a real estate investor or self-emplo...
08/21/2026

Running an investment property bankroll can’t wait for endless paperwork. If you’re a real estate investor or self-employed borrower, “no tax return” mortgage options may help you move forward using alternative documentation and underwriting paths that fit how deals actually get funded. The right structure can keep your timeline intact and protect your borrowing power without forcing you into the conventional bank box. Learn the investor-friendly ways to think about these options and what lenders typically need to make the deal work.

https://www.loansbytam.com

Thinking about DSCR rental financing but worried underwriting will slow you down? This guide breaks down how the DSCR me...
08/19/2026

Thinking about DSCR rental financing but worried underwriting will slow you down? This guide breaks down how the DSCR metric works for rental properties, what it means for your loan eligibility, and how to set up your deal so the numbers match your real cash-flow story—not a bank’s cookie-cutter checklist. Whether you’re buying to hold, scaling a rental portfolio, or financing a rental component of a bigger project, you’ll get clear, investor-focused clarity on the process and what lenders typically look for. When you understand the underwriting logic upfront, you can move faster with less stress.

https://www.loansbytam.com

If you’re an ITIN borrower wondering whether you can finance an investment property—not just buy a home to live in—you’r...
08/17/2026

If you’re an ITIN borrower wondering whether you can finance an investment property—not just buy a home to live in—you’re not alone. Underwriting for investor deals is already complex, and ITIN requirements add another layer, but it doesn’t automatically mean “no.” In this guide, we break down when ITIN borrowers can qualify for home loans for investing, what underwriters actually look for, and how to position your deal so your income and cash flow make sense. If you want a lending partner who understands real estate timelines and fights through the details, this one’s worth your attention.

https://www.loansbytam.com

Scaling a rental portfolio isn’t just about finding the right properties—it’s about securing the right loan structure fa...
08/15/2026

Scaling a rental portfolio isn’t just about finding the right properties—it’s about securing the right loan structure fast enough to keep deals moving. This guide breaks down the best loan options for rental investors, so you can match underwriting to how rental income actually cash flows and avoid surprises during funding. If you’re a fix-and-flip investor, a buy-and-hold landlord, or a self-employed builder looking to expand, you’ll want this because it’s built around real underwriting realities, not generic advice.

https://www.loansbytam.com

Self-employed investors don’t need a “one-size-fits-all” mortgage—they need underwriting that understands how your cash ...
08/13/2026

Self-employed investors don’t need a “one-size-fits-all” mortgage—they need underwriting that understands how your cash flow actually works. In this guide, we break down the best mortgage options for self-employed borrowers, what lenders look for, and how to position your file to protect timeline and approval odds. If you’ve been burned by slow bank rules or documentation that ignores your real-world income, this is your playbook for getting funded with confidence. Let’s make your next deal finance like an investor—practical, transparent, and on your schedule.

https://www.loansbytam.com

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Houston, TX

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