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PROVIDED BY EZFUNDINGS, INC.
Jul 05, 2025

Disclaimer: The following news content are sourced from The Mortgage Point, CNBC, DS News, The M Report, and Mortgage News Daily, and EZ Fundings, Inc. does not own or claim ownership of this information. Click each button for more information directly from the original article. 

How P&L Loans Work for Self-Employed Borrowers
Self-employed borrowers often face tough challenges when applying for traditional home loans. Fortunately, a new option exists—P&L-only loans. These loans provide an easier way for entrepreneurs, freelancers, and business owners to qualify for financing. Hence, let’s break down how P&L-Only Loans work for self-employed borrowers and why they’re a smart solution.
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Assisting U.S. Housing Supply Through Build-to-Rent Construction
As of early June, there were about 64,200 build-to-rent (BTR) apartments in development, with completion expected by the end of 2027, according to RealPage Market Analytics.
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Pulte vs. Powell: Government Officials Go Head-to-Head
The highest mortgage rates in this century are wearing down American homeowners and prospective homebuyers, according to a new report from TheStreet.
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Congress Introduces Equity‑Driven Housing Bill to Close Homeownership Gap
Four Democratic members of Congress, including Reps. Maxine Waters, Al Green, Ayanna Pressley, and Sylvia Garcia, have announced reintroduction of the Downpayment Toward Equity Act—legislation that would help close the U.S. wealth and homeownership gaps by providing $100 billion in direct assistance to help first-time, first-generation homebuyers purchase their first home.
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Homeownership Still Out of Reach for Many Americans
In an estimated 99% of counties with enough data to examine, median-priced single-family homes and condos were less affordable in Q2 of 2025 than historical norms, according to ATTOM’s most recent U.S. Home Affordability Report. For the fourteenth consecutive quarter, a larger proportion of the average owner’s income is needed to buy and maintain a median-priced property in the U.S. than has historically been required.
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DSCR Loans: How Investors Qualify Based on Rental Income, Not Personal Income
Investing in real estate can be an exciting way to build wealth. However, many traditional loans require proof of steady income, tax returns, and employment history. That’s where DSCR loans come in. Clearly, these loans use property income, not personal income, to qualify investors. Let’s explore how they work.
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The ‘30% Income Rule’ Inches Up as Housing Costs Rise
Some Americans may agree that housing affordability is not only stretched thin but nearly nonexistent in some of today’s major property markets. As of May 2025, the average American household will have to pay 44.6% of their income—much more than the suggested 30%—to purchase a median-priced home, according to a Realtor.com Affordability Report. Only three of the top 50 metro areas—Pittsburgh, Detroit, and St. Louis—are affordable for those with median incomes due to rising mortgage rates and property prices.
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Study: Rent Control May Offer Short-Term Relief, but Carries Long-Term Costs
Rent control may provide short-term relief for tenants facing high rents, but a new study from the Pioneer Institute warns that it comes with steep long-term costs. The report, titled “Stability, Affordability, and Urgency: The Potential Risks and Benefits of 21st Century Rent Control in Massachusetts,” finds that while rent control can reduce housing costs and help vulnerable households stay in place, it also tends to lower property values, reduce housing quality, and discourage new housing construction.
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FHFA’s Pulte Considers Crypto for Mortgage Application Process
In the American mortgage market, cryptocurrency may someday be just as important as cash. Today, Bill Pulte, Director of the U.S. Federal Housing Finance Agency (FHFA), announced a ground-breaking initiative: the agency will investigate how cryptocurrency holdings affect mortgage eligibility.
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HUD Seeks Elimination of Green Housing Mandate
U.S. Department of Housing & Urban Development (HUD) Secretary Scott Turner has announced the Federal Housing Administration (FHA) will propose an across-the-board leveling of its Upfront Capitalized and Annual Mortgage Insurance Premiums (MIPs) to 25 basis points for all multifamily program categories. This action is the first step in eliminating the green energy category, which may lower costs for lenders and developers, while enhancing the supply of affordable housing stock for the American people.
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