One of the greatest privileges of owning my own mortgage company is the opportunity to help people.
I love helping first time buyers become homeowners. Helping clients tap into their home’s equity to pursue a new business venture—especially after their bank has already said “no.” Showing people how to use their mortgage strategically to build long term wealth. And helping
๐ ๐ผ๐๐ ๐ฝ๐ฒ๐ผ๐ฝ๐น๐ฒ ๐๐ต๐ถ๐ป๐ธ ๐๐ฎ๐ ๐ฝ๐น๐ฎ๐ป๐ป๐ถ๐ป๐ด ๐ต๐ฎ๐ฝ๐ฝ๐ฒ๐ป๐ ๐ถ๐ป ๐๐ฝ๐ฟ๐ถ๐นโฆ
But in reality, thatโs just when everything gets reported.
The real decisions โ the ones that actually impact your long-term wealth โ happen months earlier.
And yetโฆ many high-income earners and business owners are still making tax decisions after the fact.
A client said something to me recently:
โI think everything is
THE SCENARIOThis self employed borrower was successful by every measure. Thriving business, beautiful family, loving wife. When his family situation changed, he needed to buy a larger home—and quickly.
THE PROBLEMWhile his business had grown year after year, the most recent year told a different story. Profits dropped sharply, and he knew his upcoming tax returns would reflect a significant
San Diego in May 2026 is packed with energy, color, and community spirit. From big festivals and charity runs to farmers’ markets and cultural celebrations, this month brings something fun almost every weekend. If you love getting out and exploring the city, May is one of the best times to do it.
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If you have ever sold or are thinking about selling an investment property, there is a very important question you need to be able to answer:
Do you actually know the rules of the 1031 Exchange?
In my experience as a commercial real estate broker who specializes in investment sales and works with clients across the country, this is where
THE SCENARIOA self employed borrower owned a successful wholesale food distribution business. He earned strong income, maintained solid credit, and had a sizable down payment. His plan was simple: purchase a new home first, then sell his existing one.
THE PROBLEMLike many borrowers, he started with “his bank.” After all, millions of dollars flowed through his accounts every year, and
Scenario:A buyer was purchasing a $1.9 million condominium in New York City and applying for a $750,000 mortgage. His income and credit were excellent, and he held substantial assets at ‘his bank.’ On the surface, obtaining a mortgage from ‘his bank’ seemed straightforward.
The Complication:Although the buyer intended to make the new condo his primary residence, he already owned a
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The first rule of the 1031 Exchange is “Equal to or Greater Than” meaning either you fully reinvest the entire proceeds of your relinquished sale and defer all your taxes… or you don’t do an exchange at all.
That simply isn’t the case.
A partial 1031 Exchange can be an incredibly effective strategy—one that allows you to defer a meaningful
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