Real Estate Investor Loans Made Simple — DSCR, STR, PadSplit, Cash-Out | Charlotte

[Trevor Higgins]

Hi BP! I’m Trevor Higgins (NMLS 1410557), a Charlotte, NC–based mortgage advisor with 12+ years’ experience—lending nationwide with Fairway Home Mortgage.
I work with real estate investors and house hackers as well as traditional homebuyers. On the investor side, I structure DSCR and conventional 1–10 unit loans, short-term rental (Airbnb/VRBO) financing, and cash-out refis to scale portfolios. 
I also understand PadSplit/room-by-room strategies and how underwriters view leases, reserves, and exit plans. I've funded over 200 Co-Living or PadSplit loans!!! 

How I try to help here (no pitch):

• - Side-by-side numbers: DSCR vs full-doc, points vs temporary buydown, refi vs HELOC

• - Underwriting clarity for self-employed/1099 borrowers or specialty investment products. 

• - Contract-timeline planning so closings hit dates (what to do week-by-week)

Useful details to include when you ask me a lending question:
Purchase price, est. rents/STR comps, credit range, down payment/reserves, target payment, and timeline. I'll give you clean next steps and the trade-offs.

I’m here to answer financing questions, share checklists, and post quick case studies that actually show the math. DM is fine (mods permitting).