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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.

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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.

Primary Residence Options

Select a program to view its benefits and calculate your numbers.

Conventional

Standard financing. As little as 3% down for first-time buyers on single-family homes, or 5% down for multi-unit properties.

FHA

3.5% down. Can be used to buy a 1-4 unit multi-family property and rent the remaining units.

VA Loan

0% down for eligible military/veterans. Can be used to buy a 1-4 unit property with no PMI.

USDA (Rural)

0% down option for properties located in designated rural areas.

Second Home Options

Financing options for your vacation or part-time home.

Conventional Second Home

Typically requires a 10% minimum down payment. Must be a 1-unit property occupied by owner part of the year.

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.

Estimated Results

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Fix & Flip Financing

How it Works

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. Lenders cap the loan using three calculations. Your max loan is 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 above. This is the absolute maximum the lender will finance.
    Base Equity Required ⓘ
    Total Project Cost (Purchase + Rehab) minus the Max Loan Amount. Your "skin in the game".
    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.
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    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.

    Results
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    Request Rate Quote

    Receive a custom rate quote for your exact scenario.

    * This is a request for information and does not constitute an offer to lend or a lock of interest rate.

    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

    Dan Robertson

    STRATEGIST & FOUNDER

    Click to read bio
    ▼

    With 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 own 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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