Matthew Gray interviews mortgage banker Saul Skolnik (“Professor Home Loan”) about financing residential investment properties. Skolnik explains his background entering lending in 2006 and why sustainable loan fit matters after seeing risky pre-crash products. They cover who should consider rentals, including portfolio diversification, landlord responsibilities, and using managing agents. 

Skolnik outlines key financing options, evaluating areas and rental markets, using inspections, lender qualification factors, and pre-approvals vs TBD commitment letters. Sol also goes through the differences between brokers, mortgage banks, and depository banks. Stay tuned to the end to learn how to contact Skolnik for a free book and lending coverage.

00:37 Meet Professor Home Loan
01:36 Saul’s Mortgage Journey
04:08 Why Sustainability Matters
06:31 Should You Buy Rentals?
08:23 Financing Options Overview
13:33 Rates Terms and Down Payments
15:21 Picking Markets and Pros
17:14 Inspections and Risk Checks
18:34 What Lenders Evaluate
20:33 Picking the Right Market
21:26 Financing and Preapproval Limits
23:25 TBD Commitment Letters
26:02 Choosing Lenders and Brokers
32:18 Refinancing and Doing the Math
33:41 Landlord Responsibilities Reality
37:01 Wrap Up and Disclosures

Resources

Sol Skolnick

914-380-0600

[email protected]

https://solskolnick2.book.live/mortgage-lenders-buyers-book

Matthew Gray

https://www.linkedin.com/in/matthew-gray-cfp%C2%AE-5a2144134/

Home Page

Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC 

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Matthew Gray Matthew Gray, CFP®

Originally from Charlotte, NC, I attended college at Wingate University where I graduated with a bachelor’s degree in Finance in 2019. During my time as a student, I learned the value of genuine service working at Chick-fil-A and honed my coaching skills tutoring high school debaters.

After graduating, I attained my Series 7 and 66 registrations, currently held by LPL Financial, along with the Virginia Life & Health Insurance license. In 2022, I was named a CERTIFIED FINANCIAL PLANNER™ professional. It is my conviction that I am called to serve those around me with the utmost honor and respect. This is why I believe in having a positive impact on everyone I meet while striving to go the extra mile.

I moved to the Shenandoah Valley after meeting my beautiful wife and best friend, McKenzie. We are blessed to have our son, Spencer, with us and two children in heaven, Hope and Camden. My favorite hobbies include disc golf, basketball and reading. I am an avid football fan, love the Carolina Hurricanes, and appreciate great food.