Tips on How to Improve Your Credit Score
Hey folks, it's time to get real about your credit score. If you're anything like me, you probably don't pay much attention to it until it's time to apply for a loan or credit card. But did you know that your credit score can make or break your ability to obtain a mortgage loan?
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When you apply for a mortgage loan, lenders take a close look at your credit score and credit history. They want to know if you're a responsible borrower who will pay back the loan on time and in full. A good credit score can help you qualify for a mortgage loan with a lower interest rate and better terms, while a poor credit score can make it more difficult to get approved and result in higher interest rates and less favorable terms.
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In short, your credit score is one of the most important factors that lenders consider when deciding whether to approve you for a mortgage loan. By taking steps to improve your credit score, you can increase your chances of getting approved for a loan with better terms and save yourself thousands of dollars in the process.
1. Check your credit report regularly
This is a no-brainer, but it's worth repeating. Make sure to check your credit report for any errors or fraudulent activity. You can get a free credit report from each of the three major credit bureaus every year, so take advantage of it.
2. Pay your bills on time
This one seems obvious, but it's worth emphasizing. Late payments can have a big impact on your credit score, so set up automatic payments or reminders to make sure you're always on time.
3. Lower your credit utilization ratio
Your credit utilization ratio is the amount of credit you're using compared to your credit limit. Aim to keep your utilization ratio under 30% to improve your score.
1. Check your credit report regularly
This is a no-brainer, but it's worth repeating. Make sure to check your credit report for any errors or fraudulent activity. You can get a free credit report from each of the three major credit bureaus every year, so take advantage of it.
2. Pay your bills
on time
This one seems obvious, but it's worth emphasizing. Late payments can have a big impact on your credit score, so set up automatic payments or reminders to make sure you're always on time.
3. Lower your credit utilization ratio
Your credit utilization ratio is the amount of credit you're using compared to your credit limit. Aim to keep your utilization ratio under 30% to improve your score.
4. Increase your credit limit
If you're struggling to keep your credit utilization ratio low, consider asking for a credit limit increase. Just make sure not to use the extra credit as an excuse to spend more.
5. Diversify your credit
Having a mix of credit types (like a credit card, auto loan, and mortgage) can improve your credit score. But don't open new accounts just to add diversity - only take on credit that you actually need and can handle responsibly.
4. Increase your
credit limit
If you're struggling to keep your credit utilization ratio low, consider asking for a credit limit increase. Just make sure not to use the extra credit as an excuse to spend more.
5. Diversify your credit
Having a mix of credit types (like a credit card, auto loan, and mortgage) can improve your credit score. But don't open new accounts just to add diversity - only take on credit that you actually need and can handle responsibly.
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🏘️ Housing Shortages in 2026: What Investors Must Know About Financing 🔍
🏘️ Housing Shortages in 2026: What Investors Must Know About Financing 🔍
📉 The Housing Supply Crisis & Investor Loan Strategies You Need in 2026 💰
🏘️ Housing Shortages & Investor Financing – What’s Ahead
The U.S. housing market is entering 2026 with one unavoidable truth: we don’t have enough homes, and we won’t catch up anytime soon. With supply lagging far behind demand, investors are stepping into the gap—fueling rental growth, accelerating build-to-rent (BTR) activity, and reshaping mortgage financing trends.
As a mortgage brokerage with access to 600+ lenders, Medallion Funds is seeing firsthand how housing shortages are influencing investor loan structures, underwriting trends, and risk models. Here’s what today’s investors need to know.
1. The Housing Shortage Is Worsening—Not Improving
Despite new construction activity, the U.S. remains 3.2–4.5 million units undersupplied depending on the methodology used. Several factors are driving the gap:
• Delays in new construction pipelines
• High labor and materials costs
• Zoning restrictions limiting density
• Rising household formation and migration to Sunbelt states
Markets like Texas, Florida, Tennessee, and the Carolinas continue to absorb population growth fastest—keeping vacancy rates tight even with new supply coming online.
For investors, this environment creates long-term rental stability and strong absorption for well-located assets.
2. Why Housing Shortages Are Driving Investor Demand
When inventory is low, investors benefit in multiple ways:
• Higher rental demand – Renters stay longer because fewer homes are available.
• Stronger year-over-year rent growth in undersupplied submarkets.
• Faster lease-up for renovated or newly purchased properties.
• Increased appetite for build-to-rent and small multifamily investments.
Investors who understand these trends can secure properties before pricing resets upward again.
3. Financing Conditions Are Improving—But Not for Everyone
Mortgage rates are expected to gradually decline through 2026, but investor loans will still rely heavily on the lender’s risk appetite. The most commonly used loan types include:
• DSCR Loans
Ideal for rental investors, and now more flexible with:
– Lower DSCR thresholds (sometimes 0.85–1.0)
– Bank statement options
– Interest-only periods
– 30- and 40-year fixed terms
• Portfolio Rental Loans
Great for investors needing:
– Blanket financing (5–20 properties)
– Cross-collateralization
– Lower liquidity requirements
– Streamlined underwriting
• Bridge Loans
Critical during value-add rehab cycles when:
– Rent growth is projected
– Units need renovation
– Sellers won’t give large concessions
• Construction & Build-To-Rent Loans
High demand in undersupplied metros with population growth.
Medallion Funds is increasingly placing BTR developer financing as more investors build their own rental communities to bypass inventory shortages.
4. Underwriting Is Changing Because the Market Is Changing
Lenders are updating their risk models to reflect today’s shortages:
• Greater emphasis on rental comps in constrained submarkets
• More tolerance for lower DSCR when vacancy risk is minimal
• Stronger pricing incentives for long-term holds
The biggest opportunity?
Investors who can demonstrate stabilized income potential are getting superior rates and loan terms.
5. What Investors Should Do Now
To position yourself for the next 12–24 months:
1. Get pre-approved early – Competitive markets move fast.
2. Consider DSCR loans before rates reset downward and pricing increases.
3. Look at emerging markets near major job corridors (Katy, Fulshear, Richmond, Conroe, etc.).
4. Run full cash-flow scenarios with long-term hold assumptions.
5. Evaluate BTR or small multifamily as a hedge against low inventory.
The housing shortage is not a short-term story—it is a structural investment opportunity.
If you're planning to acquire, build, or refinance investment property, Medallion Funds can structure the right loan, from DSCR to BTR construction to portfolio financing.
Final Takeaway
Home supply will remain constrained for years. Investors who secure the right financing today will benefit from:
• Rising long-term rental demand
• Lower future refinance rates
• Consistent appreciation in high-growth markets
Smart financing—not timing—will determine who wins the next cycle.
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© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory
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Refinancing youe loan and when to do it
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Copyright ©2021 | Mortgage Viking Team
Licensed to Do Business | NMLS # 228246
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright © 2021 | Medallion Funds
Corporate | NMLS ID NMLS # 1825831
Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014
Corporate NMLS NMLS # 1825831 | Company Website: https://medallionfunds.com/bill-rapp/
Copyright ©2021 | Mortgage Viking Team Licensed to Do Business | NMLS # 228246
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply
Corporate | NMLS ID NMLS # 1825831
Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014 https://medallionfunds.com/bill-rapp/