Payment Targets Beat Headlines
- Michael Belfor
- 2 days ago
- 1 min read
Rates move. Headlines shout. But smart buyers win by anchoring to a payment target—not a clickbait decimal.
When we start with “What monthly number lets you breathe?” everything else falls into place: price, down payment, and the best structure to protect your cash.
From there, we compare paths:
Conventional vs. temporary buydown: Trade a slightly higher cost today for breathing room in year one or two.
Self-employed options (bank statements/P&L): When tax returns don’t tell your real story.
Investor angles (DSCR): Let the property’s income carry the weight.
The goal isn’t to “win the lowest rate on the internet.” It’s to win the right loan for your plan—with flexibility to refinance when the window opens. That’s stewardship: wise choices now, options later.
If you want a simple, honest worksheet, I’ll build your payment ladder at 3–4 price points and show cash-to-close for each.
No fluff—just the numbers you need to shop with peace.
Ready to see your numbers?
Or text me and I’ll outline it before you click a thing.