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The Smart Agent
Luis E Carranza, Real Estate Agent & MLO
CA DRE Lic.
01989030
, NMLS:
1570192
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FHA Self-Sufficiency Test Explained: What Is the Net Sustainability Test?
Discover how the FHA Self-Sufficiency Test works for 3- and 4-unit properties, including rental income calculations, PITIA requirements, and FHA guidelines
Luis E Carranza, The Smart Agent
Jul 10
4 min read
What Is a DSCR Loan? A Simple Guide for Real Estate Investors (2026)
Learn what a DSCR Loan is, how the DSCR ratio works, how lenders qualify investment properties, and whether a DSCR loan is right for you.
Luis E Carranza, The Smart Agent
Jul 7
5 min read
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