Jeff Chisum

Lenders might claim personal guarantees appear on credit reports, but this isn't always true or permanent. Lacking written agreement means terms can change. Always verify loan terms in writing. #RealEstateTips #MortgageAdvice

When getting a conventional loan, declarations ask about loans not on your credit report. As a personal guarantor on a DSCR loan, you must answer 'yes' to avoid legal issues. #DSCRloans #LoanGuarantees

From zero to 21 STR properties in 2.5 years? The secret is vertical integration. We handle everything: buying, design, build-out, operations, and marketing. It's a cradle-to-grave approach that streamlines success. #STR #RealEstateInvesting #Entrepreneurship

Unlock the potential of your second home! After one year with a 10% down loan, occupancy requirements lift. This opens doors to short-term and midterm rentals, offering new avenues for income and diversification beyond traditional Airbnb and VRBO. #RealEstateTips #Investment

Need mortgage help? Schedule a call with Jeff Chisholm, a registered mortgage loan officer with CMG Home Loans. Let's discuss your financing options! #MortgageTips #HomeLoans

Unlock the potential of your second home! After one year with a 10% down loan, occupancy requirements lift. This opens doors to short-term and midterm rentals, offering new avenues for income and diversification beyond traditional Airbnb and VRBO. #RealEstateTips #Investment

Red flag alert for short-term rental investors! Be wary of unlicensed individuals advertising loan rates. Always ensure they are licensed and transparent about disclaimers, especially when discussing interest rates like a 6.99% DSCR loan. #RealEstateTips #InvestorAlert

DSCR loans offer a pathway for self-employed individuals or W2 earners with maxed-out debt-to-income ratios. This allows portfolio scaling and continued property acquisition without relying solely on conventional financing. #DSCRLoans #RealEstateInvesting

Title transfer in short-term rentals? Many fear it triggers the 'due-on-sale' clause. The real concern: putting property titles in an LLC instead of personal names. #RealEstate #LLC

Elevate your guest experience with attentive communication and local recommendations. Addressing the purpose of their visit—be it vacation or celebration—adds a touch of luxury without breaking the bank. #Hospitality #GuestExperience

Action takers get rewarded. Visit strhomefinancing.com and get your free T-shirt or set up a review. Don't just listen, do! Become an action taker. #MortgageTips #TakeAction

Elevate your guest experience with attentive communication and local recommendations. Addressing the purpose of their visit—be it vacation or celebration—adds a touch of luxury without breaking the bank. #Hospitality #GuestExperience

Loan officers get a bad rap, especially after 2008. But the housing crash wasn't their fault. Let's focus on accurate representation in lending. #RealEstate #Lending

Protecting personal assets from lawsuits is a common goal for property owners. Placing ownership in an LLC shields personal wealth from legal claims, directing them towards the LLC's assets instead. Consult an attorney for proper structuring. #AssetProtection #LLC #RealEstate

Interest rates are finally dropping, sparking refinancing excitement! Many have waited years for this. Personal stories, like receiving a refinance solicitation from your own loan servicer, highlight the immediate impact. #InterestRates #Refinance

Want to know where to invest in short-term rentals? Rachel shares a resource at 75gems.com. Sign up to get on her email list and access her top 75 most profitable city picks. #RealEstateInvesting #ShortTermRentals

Non-QM mortgages: lenders don't report to credit bureaus. But, a credit pull for a personal guarantor (640+ FICO) *will* show up. Always ask for written documentation confirming no loan reporting to credit. Relying on verbal agreements can lead to disputes.

Want to know where to invest in short-term rentals? Rachel shares a resource at 75gems.com. Sign up to get on her email list and access her top 75 most profitable city picks. #RealEstateInvesting #ShortTermRentals

Tired of phone tag when looking for a mortgage? CallMyMortgageGuy.com lets busy clients book appointments directly, eliminating the hassle and saving time. Book when it's convenient for you. #MortgageTips #HomeBuying

Elevate your short-term rental with these 3 luxury touches guests will love. Focus on sensory experiences to make your property feel truly special, encouraging repeat stays and referrals—without breaking the bank. #ShortTermRentals #GuestExperience