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Plain-English guides to loan types, ROI metrics, and rental property fundamentals — the same knowledge that powers the Quanta AI assistant.

Financing

Conventional Loans
The standard mortgage type, not backed by a government agency.
FHA Loans
Government-insured loans with lower down payment and credit requirements.
VA Loans
Zero-down loans for eligible veterans, service members, and surviving spouses.
Investment / DSCR Loans
Loans for rental properties, often qualified on the property's cash flow rather than your income.

ROI Metrics

Understanding Cap Rate
Net operating income as a percentage of purchase price — a quick profitability snapshot.
Understanding Cash-on-Cash Return
Annual cash flow as a percentage of the actual cash you put into the deal.
Understanding Gross Rent Multiplier (GRM)
Purchase price divided by annual rent — a fast, rough screening tool.
Understanding Monthly Cash Flow
What's left over each month after every expense, including the mortgage.

Buying

First-Time Buyer Tips
A few fundamentals worth knowing before you make an offer.

Operating a Rental

Vacancy Rate & Reserves
Why you should never assume 100% occupancy or zero maintenance costs.

Costs

Property Tax Basics
How property tax is typically calculated and why it varies so much by location.
Landlord Insurance Basics
How insuring a rental differs from a standard homeowner's policy.
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