We Changed the Guidelines Because the Old Ones Said No Too Often
Ternus Underwriting Guidelines v2.0 are live. Loans from $50,000 to $1,000,000, refinances, two valuation paths, no minimum experience, and fees shown up front.
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Real Estate Investor Tools to Price the Deal
Three free investor tools from Ternus — a flip loan sizer, a DSCR sizer, and a room-by-room rehab budget. About two minutes each. No credit pull on the loan sizers.
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250 Years of America. Two Real Fee Breaks From Ternus.
I got out of the Marine Corps in 2001 and tripped into real estate by accident. Twenty-five years, $8B in transactions, and about 2,000 properties later, I still think about this business the way I thought about a deployment: know the mission, take care of your people, and don’t waste anybody’s time. July 4, 2026…
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2026 Investor Activity and Outlook: What Today’s Market Signals for Real Estate Investors
Investor activity remains a defining force in today’s housing market, even as the drivers behind that activity are shifting. Understanding how the real estate investment landscape is changing is critical for investors looking to deploy capital effectively in 2026. Recent market survey data from CJ Patrick Company shows elevated investor participation, tightening margins, and a…
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Bridge Loans in Real Estate: When Short-Term Financing Makes Sense
In real estate investing, timing is everything. Investment opportunities don’t always wait for capital to show up—and missed opportunities can be costly. That’s where bridge financing comes in. A bridge loan is a short-term financing option designed to give investors access to capital so they can act quickly. Whether that means securing a new property,…
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How to Get Started in Real Estate Investing: Step-by-Step Guide
Many first-time real estate investors start with a simple goal: buy a property, rent it out, and generate income. While that outcome is possible, the path from purchase to profit is rarely that linear. Success depends on approaching it with a clear strategy and a realistic understanding of what buying rental property really involves. This…
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How to Buy an Investment Property: What You Need to Know
Real estate has long been considered one of the most reliable ways to build wealth, but buying investment property requires a different approach than purchasing a home. From financing and strategy to property selection and risk, understanding how investment properties work is key to making informed decisions that pay off over the long term. This…
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Understanding Secured Loans: What They Are & How They Work
Every loan comes with a certain amount of risk for both the lender and the borrower. With secured loans, a significant share of that risk is offset by collateral, an asset the lender can claim if the borrower defaults. That added security often translates into stronger borrowing power. Compared with unsecured financing, secured loans may…
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Home Renovation Loans: What They Are & How to Use Them
Whether it’s a cosmetic update or a total rehab, renovation projects are a routine part of residential real estate investing. Whether the goal is to prepare a rental property for occupancy, upgrade a short-term rental, or improve returns on resale, renovations can help maximize the value of an investment. A home renovation loan can be…
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Construction Loans: Financing Your Build from Start to Finish
If you’re considering a new build for your primary residence or as part of a real estate investment strategy, conventional home financing simply doesn’t apply. Traditional home loans are designed for existing structures—not for the home you plan to build. Construction loans offer financing for new builds, allowing borrowers to secure land and fund the…
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