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Purchase Strategy
Explore Primary, Second Home, and Investment options including Fix & Flip and DSCR.
REFINANCE
Leverage & Rates
Analyze Rate/Term reductions, Debt Consolidation, and Home Equity Lines/Loans.
Purchase Strategy
What is the primary intent for this property?
Primary Residence
I intend to live in this home for the majority of the year.
Second Home / Vacation
A vacation home or property I will live in part-time.
Investment Property
A property I intend to rent out or fix and flip for profit.
ITIN / Foreign National
Options for borrowers without a standard SSN, including alternative income verification.
Primary Residence Options
Select a program to view its benefits and calculate your numbers.
Conventional
Standard financing. Low down payment options for first-time buyers on single-family homes.
FHA
Low down payment FHA options. Can be used to buy a 1-4 unit multi-family property and rent the remaining units.
VA Loan
Zero-down options for eligible military/veterans. Buy a 1-4 unit property with no PMI.
USDA (Rural)
Zero-down options for properties located in designated rural areas.
FHA 100% Combo
Zero down payment! Combines standard FHA with a 3.5% second lien.
Fannie Mae HomeReady
Low down payment options with reduced MI and a potential $2,500 credit.
FHA 203(k) Rehab
Roll the cost of home renovations directly into your purchase mortgage.
Jumbo Financing
For luxury properties exceeding standard loan limits. Up to $3M.
Self-Employed (Alt-Doc)
Qualify using 12-months of Bank Statements, 1099s, or a 1-Year P&L instead of standard tax returns.
Second Home Options
Financing options for your vacation or part-time home.
Conventional Second Home
Requires a down payment. Must be a 1-unit property occupied by owner part of the year.
Self-Employed (Alt-Doc)
Qualify using 12-months of Bank Statements, 1099s, or a 1-Year P&L instead of standard tax returns.
Investment Options
Select your investment strategy.
DSCR (Debt Service)
Long-term financing. Qualify based entirely on the property's rental cash flow, not your personal income.
Fix & Flip
Short-term bridge debt to acquire and rehab a property. Based on After Repair Value (ARV).
Fix to Rent
Coming soon...
Conventional Investment
Standard full-doc investor loans. Down payment requirements change based on the number of units.
Multi-Family (5-9 Units)
Commercial DSCR financing for 5 to 9 unit properties based entirely on property cash flow.
Fix & Flip Financing
The Scoop
Fix & Flip loans are short-term (bridge) debt. Instead of qualifying based on your DTI, lenders look at the After Repair Value (ARV) of the property.
On Your Radar: Lenders cap the loan using three calculations. Your maximum loan is strictly the lowest of the three caps.
Your Estimated Costs
Your loan is limited by the lowest of these three caps:
Max Loan Amount ⓘThe lowest of the three calculations. This is the absolute maximum the lender will finance.
Base Equity Required ⓘTotal Project Cost (Purchase + Rehab) minus the Max Loan Amount.
Est. Loan & Broker Fees ⓘIncludes estimated origination, broker, processing, and underwriting fees.
Est. Appraisal Fee$650
Est. Title, Recording, Transfer Tax
Total Est. Cash to Close
LEGAL DISCLAIMER: This calculator is provided strictly for educational and illustrative purposes. The information, calculations, and rate estimates are based on general industry guidelines to the best of our knowledge and do not constitute a Loan Estimate, an offer to lend, or a guarantee of specific terms. Does not include required Builder's Risk/Vacant property insurance. Rehab funds are held in escrow and reimbursed via draws.
Refinance Strategy
What are you trying to accomplish?
Rate & Term
Lower your interest rate or shorten your loan term to save money.
Cash-Out / Consolidate
Unlock equity to fund projects or consolidate high-interest debt.
Home Equity (Line/Loan)
Keep your low 1st mortgage and take out a secondary lien.
Standalone 2nd Lien
Keep the low rate on your 1st mortgage and tap your equity with a fixed-rate 2nd mortgage. Alt-doc income allowed!
Request Rate Quote
Receive a custom rate quote for your exact scenario.
The Robertson Approach.
Most lenders focus solely on the "approval"—the finish line of a single transaction. At Robertson Home Mortgage, we believe that ignores the bigger picture: your financial trajectory.
We view your mortgage as a critical financial tool, not just a pile of paperwork. By treating debt structuring as a strategic asset, we ensure your financing supports your long-term goals, whether you are buying your first home or expanding an investment portfolio.
Dan Robertson
STRATEGIST & FOUNDER
Click to read bioWith over a decade of experience spanning credit unions, correspondent lending, and fintech startups, Dan brings a multifaceted perspective to every loan he structures. Dan’s career has been defined by his role as a builder. Most recently, he helped launch and scale the lending operations for a pioneering fintech startup—serving as the Qualifying Individual responsible for the firm’s lending architecture and investor-focused lien strategies. Now, as the founder of his firm, Dan applies that "from-the-ground-up" knowledge to his clients' portfolios. His background allows him to see beyond the paperwork, ensuring that your mortgage is structured as a precise tool that aligns with your specific financial goals.
Get in Touch.
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