{"id":4696,"date":"2023-10-01T21:17:28","date_gmt":"2023-10-01T21:17:28","guid":{"rendered":"https:\/\/vonkdemo.com\/?page_id=4696"},"modified":"2026-07-02T06:36:11","modified_gmt":"2026-07-02T13:36:11","slug":"dscr-home-loan","status":"publish","type":"page","link":"https:\/\/mega5.vonkdigital.com\/~bradmiller\/loan-options\/dscr-home-loan\/","title":{"rendered":"DSCR Home Loan"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; column_spacing=&#8221;60&#8243; css=&#8221;.vc_custom_1782999366679{padding-top: 75px !important;background-color: #FBFAF7 !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;]<style>.vonk_6a736533c346c{font-size:35px;font-weight:700;}<\/style><h1 class=\"vonk-heading vonk-heading-plain vonk-text-2xl vonk_6a736533c346c\"><span class=\"vonk-heading-inner vonk-inline-block\">Dive into the DSCR home loans designed for savvy investors.<\/span><\/h1><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:15px;\"><\/div>[vc_column_text css=&#8221;&#8221; font_weight=&#8221;500&#8243; el_class=&#8221;wpex-antialiased&#8221;]Learn how a DSCR home loan may offer a pathway to investment success, focusing on the potential income of the property.[\/vc_column_text]<div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:45px;\"><\/div><style>.vonk_6a736533c4250{gap:15px;}.vonk_6a736533c4774{background:#ffffff;color:#363636!important;border:solid #363636 1px;}.vonk_6a736533c4774:hover{background:#b7b7b7!important;color:#ffffff!important;}<\/style><div class=\"vonk-flex-container vonk-flex vonk-gap-20 vonk-flex-wrap vonk_6a736533c4250\"><div class=\"theme-button-wrap vonk-text-center vonk-clr\"><a href=\"#quote\" class=\"vonk-button theme-button align-center vonk-mb-15 inline animated-theme-button hvr hvr-float local-scroll-link\"><span class=\"vonk-button-inner theme-button-inner vonk-flex vonk-flex-wrap vonk-items-center vonk-justify-center\"><span class=\"vonk-button-icon vonk-icon-wrap theme-button-icon-left\"><span class=\"vonk-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M168 80c-13.3 0-24 10.7-24 24V408c0 8.4-1.4 16.5-4.1 24H440c13.3 0 24-10.7 24-24V104c0-13.3-10.7-24-24-24H168zM72 480c-39.8 0-72-32.2-72-72V112C0 98.7 10.7 88 24 88s24 10.7 24 24V408c0 13.3 10.7 24 24 24s24-10.7 24-24V104c0-39.8 32.2-72 72-72H440c39.8 0 72 32.2 72 72V408c0 39.8-32.2 72-72 72H72zM176 136c0-13.3 10.7-24 24-24h96c13.3 0 24 10.7 24 24v80c0 13.3-10.7 24-24 24H200c-13.3 0-24-10.7-24-24V136zm200-24h32c13.3 0 24 10.7 24 24s-10.7 24-24 24H376c-13.3 0-24-10.7-24-24s10.7-24 24-24zm0 80h32c13.3 0 24 10.7 24 24s-10.7 24-24 24H376c-13.3 0-24-10.7-24-24s10.7-24 24-24zM200 272H408c13.3 0 24 10.7 24 24s-10.7 24-24 24H200c-13.3 0-24-10.7-24-24s10.7-24 24-24zm0 80H408c13.3 0 24 10.7 24 24s-10.7 24-24 24H200c-13.3 0-24-10.7-24-24s10.7-24 24-24z\"\/><\/svg><\/span><\/span>Request A Quote<\/span><\/a><\/div> <div class=\"theme-button-wrap vonk-text-center vonk-clr\"><a href=\"#learn\" class=\"vonk-button theme-button align-center vonk-mb-15 inline hvr hvr-float local-scroll-link vonk_6a736533c4774\"><span class=\"vonk-button-inner theme-button-inner vonk-flex vonk-flex-wrap vonk-items-center vonk-justify-center\"><span class=\"vonk-button-icon vonk-icon-wrap theme-button-icon-left\"><span class=\"vonk-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 384 512\"><path d=\"M169.4 470.6c12.5 12.5 32.8 12.5 45.3 0l160-160c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L224 370.8 224 64c0-17.7-14.3-32-32-32s-32 14.3-32 32l0 306.7L54.6 265.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l160 160z\"\/><\/svg><\/span><\/span>Learn More<\/span><\/a><\/div> <\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:40px;\"><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243;]<style>.vonk_6a736533c49c5 .vonk-image-img{border-radius:20px;}<\/style><figure class=\"vonk-image vonk-text-center vonk_6a736533c49c5\"><div class=\"vonk-image-inner vonk-relative vonk-inline-block\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/uploads\/2023\/12\/Unlocking-Financial-Freedom_-The-Benefits-of-Buying-Over-Renting.webp\" class=\"vonk-image-img vonk-align-middle vonk-shadow\" alt=\"A silver key with a wooden house-shaped keychain is inserted into a door lock, with an outdoor background softly blurred.\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/uploads\/2023\/12\/Unlocking-Financial-Freedom_-The-Benefits-of-Buying-Over-Renting.webp 800w, https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/uploads\/2023\/12\/Unlocking-Financial-Freedom_-The-Benefits-of-Buying-Over-Renting-300x200.webp 300w, https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/uploads\/2023\/12\/Unlocking-Financial-Freedom_-The-Benefits-of-Buying-Over-Renting-768x512.webp 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" title=\"\"><\/div><\/figure>[\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1756148643535{padding-top: 100px !important;padding-bottom: 80px !important;}&#8221; local_scroll_id=&#8221;learn&#8221; el_id=&#8221;learn&#8221;][vc_column][vc_column_text css=&#8221;&#8221; width=&#8221;1000&#8243;]A DSCR home loan, is a type of mortgage specifically designed for real estate investors and rental property owners. It is a financial metric that measures the ability of a property&#8217;s rental income to cover its debt obligations. Unlike traditional loans, this loan type emphasizes the property&#8217;s cash flow over the borrower&#8217;s personal income or credit score. These loans appeal to real estate investors relying on rental income for mortgage payments. By using the property&#8217;s cash flow as the main qualification factor, DSCR home loans provide real estate investors with the opportunity to purchase and finance rental properties more easily.<\/p>\n<h2>Operating Income and Rental Property<\/h2>\n<p>One of the key aspects of DSCR home loans is the consideration of the property&#8217;s operating income. Unlike traditional loans that heavily rely on the borrower&#8217;s personal income, DSCR home loans focus on the income generated by the rental property itself. Lenders typically require borrowers to demonstrate a positive cash flow from the rental property to ensure there is enough income to cover the monthly mortgage payments. Rental income is a vital component in determining the debt service coverage ratio, which is a calculation of the property&#8217;s net operating income divided by the debt obligations. This ratio helps lenders assess the property&#8217;s ability to generate enough income to cover the loan payments and potential expenses.<\/p>\n<h2>Loan Programs and Payment Requirements<\/h2>\n<p>DSCR home loans offer various loan programs with different payment requirements. These programs cater specifically to real estate investors and may have more flexible terms compared to conventional mortgages. The terms of the loan, such as interest rates and loan amounts, vary depending on factors like credit score, type of property, and loan-to-value ratio. Lenders typically require borrowers to provide proof of income, such as tax returns and rental income documentation, to assess the property&#8217;s cash flow. Additionally, lenders may consider the borrower&#8217;s credit score and current debt obligations, but these factors may have less weight compared to traditional mortgages. The DSCR ratio helps lenders determine the maximum loan amount for the borrower based on the property&#8217;s income potential.<\/p>\n<p>DSCR home loans provide real estate investors and rental property owners with an alternative financing option that focuses on the property&#8217;s cash flow rather than just the borrower&#8217;s personal income or credit score. By considering the property&#8217;s operating income and rental potential, DSCR home loans make it easier for real estate investors to finance and purchase rental properties. These loans offer various loan programs with flexible terms and payment requirements. By assessing the property&#8217;s ability to generate sufficient income to cover the debt obligations, lenders can determine the maximum loan amount for the borrower. Overall, DSCR home loans provide a valuable tool for investors looking to expand their portfolio and generate income through rental properties.<\/p>\n<h2>Benefits of Applying for a DSCR Home Loan<\/h2>\n<p>Applying for a DSCR home loan can bring numerous benefits to real estate investors. Unlike traditional loans, DSCR loans offer quicker closing times, no income verification, and the ability to finance multiple properties. These advantages make DSCR loans an attractive choice for investors looking to expand their real estate portfolio.<\/p>\n<p>One of the key benefits of a DSCR loan is the flexibility it offers in terms of financing options. Lenders who specialize in DSCR loans understand the unique needs of real estate investors and offer competitive financing options for properties with high debt service coverage ratios (DSCR). This means that investors can secure financing for properties that may not meet the criteria of traditional loans.<\/p>\n<p>Another advantage of DSCR loans is the unlimited cash-out option. Real estate investors can tap into the equity of their properties to access additional funds for future investments or other financial needs. This allows investors to leverage the appreciation of their properties to further grow their real estate portfolio.<\/p>\n<p>Overall, applying for a DSCR home loan provides real estate investors with the flexibility and financing options they need to succeed in the competitive market. With quicker closing times, no income verification, and the ability to finance multiple properties, DSCR loans are a valuable tool for investors looking to expand their real estate empire.<\/p>\n<h2>Qualifying for a DSCR Home Loan<\/h2>\n<p>Qualifying for a DSCR home loan can be a great option for real estate investors looking to finance properties with high debt service coverage ratios. One of the key advantages of DSCR loans is the flexibility they offer in terms of financing options. Lenders who specialize in DSCR loans understand the unique needs of real estate investors and offer competitive financing options that may not be available with traditional loans. To qualify for a DSCR home loan, lenders typically look at factors such as the property&#8217;s operating income, rental income, and operating expenses. They may also consider the investor&#8217;s credit score, current debt obligations, and proof of income. Additionally, lenders will assess the property&#8217;s debt-service coverage ratio, which is the ratio of the property&#8217;s operating income to its debt obligations. In general, a higher DSCR indicates better cash flow and increases the likelihood of qualifying for a DSCR home loan. With these considerations in mind, real estate investors can explore the various loan programs available to find the right financing option for their investment goals.<\/p>\n<h3>Credit Requirements<\/h3>\n<p>To qualify for a DSCR (Debt Service Coverage Ratio) home loan, there are certain credit requirements that borrowers need to meet. One important factor is the credit score. While the specific minimum credit score varies among lenders, it is generally recommended to have a credit score of 620 or higher to be eligible for a DSCR loan.<\/p>\n<p>Having a higher credit score not only increases the chances of approval but can also result in a lower interest rate. Lenders reward borrowers with good credit scores by offering them more favorable loan terms, including lower interest rates.<\/p>\n<p>In addition to credit score, lenders also consider the down payment amount. Unlike conventional loans that offer low down payment options, DSCR lenders typically require a higher down payment. This is because DSCR loans are designed for real estate investors and require a stronger financial commitment from borrowers. The specific down payment amount may vary, but lenders typically require at least 20% of the property value.<\/p>\n<p>Lenders look at the loan-to-value (LTV) ratio, which represents the loan amount as a percentage of the property&#8217;s appraised value. While specific LTV ratios may vary, lenders usually expect borrowers to have a lower LTV ratio, meaning they need to have a significant equity stake in the property.<\/p>\n<p>Credit score, down payment, and loan-to-value ratio are critical factors in qualifying for a DSCR home loan. Borrowers with higher credit scores and higher down payments are more likely to secure more favorable loan terms, including lower interest rates. It&#8217;s important for real estate investors considering a DSCR loan to have a clear understanding of these credit requirements before proceeding with their loan application.<\/p>\n<h3>Income Requirements<\/h3>\n<p>In order to qualify for a DSCR (Debt Service Coverage Ratio) home loan, borrowers must meet certain income requirements. These requirements are crucial in determining a borrower&#8217;s ability to make their loan payments and ensure that they have a strong financial position to support their investment in real estate.<\/p>\n<p>The minimum qualifications for income requirements vary among lenders, but generally include factors such as operating income, rental property income, and proof of income through tax returns. Lenders evaluate a borrower&#8217;s income ratio, taking into account their current debt obligations and monthly debt payments. They typically require that the borrower&#8217;s income exceeds their monthly expenses by a certain ratio to ensure they have sufficient income to cover their loan payments.<\/p>\n<p>Meeting these income requirements is important for borrowers to qualify for a DSCR loan. It indicates to lenders that the borrower has a stable and reliable source of income, making them more likely to repay the loan on time. Lenders view borrowers who meet these income requirements as less of a risk, which can result in more favorable loan terms, such as lower interest rates and longer loan terms.<\/p>\n<p>Overall, satisfying the income requirements for a DSCR loan is key to qualifying for this type of loan and securing funding for real estate investment. Borrowers should be prepared to provide tax returns and other documentation that proves their income in order to meet the minimum qualifications and increase their chances of approval.<\/p>\n<h3>Documentation Needed<\/h3>\n<p>When applying for a DSCR Home Loan, borrowers are required to provide various documentation to lenders. These documents help lenders assess the borrower&#8217;s financial situation and determine their eligibility for the loan. The documentation needed includes the borrower&#8217;s loan application, credit authorization, bank statements, leases (if applicable), short-term rental history (if applicable), property insurance, and entity documents (if applicable).<\/p>\n<p>The loan application is a comprehensive form that requires borrowers to provide detailed information about their personal and financial background. The credit authorization allows lenders to access the borrower&#8217;s credit report to evaluate their creditworthiness. Bank statements provide proof of the borrower&#8217;s income and asset holdings.<\/p>\n<p>If the borrower plans to rent out the property, leases and short-term rental history demonstrate the rental income potential of the property. Property insurance is necessary to protect the borrower and the lender&#8217;s interests.<\/p>\n<p>For borrowers utilizing the BRRRR (Buy, Rehab, Rent, Refinance, Repeat) method, additional renovation documentation may be required. This includes contractor bids, detailed renovation plans, and completion certificates to ensure that the property meets the required standards after rehabilitation.<\/p>\n<p>Providing the necessary documentation is crucial in obtaining a DSCR Home Loan. It enhances the borrower&#8217;s credibility, making them more likely to qualify for favorable loan terms and conditions.<\/p>\n<h2>Calculating the Debt Service Coverage Ratio (DSCR)<\/h2>\n<p>Calculating the Debt Service Coverage Ratio (DSCR) is an essential step in evaluating the financial viability of a property investment. The DSCR measures the property&#8217;s ability to generate enough income to cover its debt obligations, including mortgage payments.<\/p>\n<p>To calculate the DSCR, you need to determine the net operating income (NOI) and the total debt payment. The formula for DSCR is as follows:<\/p>\n<p>DSCR = NOI \/ Total Debt Payment<\/p>\n<p>First, calculate the net operating income (NOI). NOI is the income generated by the property after subtracting operating expenses, such as property taxes, insurance, and maintenance costs, from the gross rental income.<\/p>\n<p>Next, calculate the total debt payment. This includes the monthly mortgage payment and any other debt obligations related to the property, such as property management fees or homeowners association dues.<\/p>\n<p>Once you have calculated the NOI and total debt payment, divide the NOI by the total debt payment to obtain the DSCR. A DSCR greater than 1 typically indicates that the property generates enough income to cover its debt obligations. Lenders often require a minimum DSCR of at least 1.25 to ensure a sufficient margin of safety.<\/p>\n<p>By calculating the DSCR, investors can assess the property&#8217;s financial health and determine its ability to generate positive cash flow. This information is vital for making informed investment decisions and securing financing for real estate ventures.<\/p>\n<h2>Other Factors Considered in Approvals<\/h2>\n<p>In addition to calculating the debt-service coverage ratio (DSCR) for a home loan, there are several other factors that lenders consider when approving a DSCR home loan. These factors help lenders assess the borrower&#8217;s ability to service their debt and make timely loan payments.<\/p>\n<p>One important consideration is the borrower&#8217;s creditworthiness, which is determined by their credit score and credit history. Lenders prefer borrowers with a good credit score, as it indicates a lower risk of defaulting on the loan. Additionally, lenders may request the borrower&#8217;s tax returns and proof of income to verify their financial stability and ability to repay the loan.<\/p>\n<p>Another factor is the borrower&#8217;s current debt obligations. Lenders consider the borrower&#8217;s existing monthly debt payments, such as credit card debt, car loans, and student loans. The DSCR loan should ensure that the borrower&#8217;s total debt payments, including the new mortgage payment, do not exceed a certain percentage of their income.<\/p>\n<p>Lenders may also take into account the type of property the borrower is purchasing and its potential rental income. Rental properties, particularly multifamily properties, have the advantage of generating rental income that can help cover the mortgage payment and improve the DSCR.<\/p>\n<p>Finally, lenders may have additional requirements or considerations specific to the type of loan program. For example, certain loan programs may have maximum loan limits or additional documentation requirements.<\/p>\n<h2>Common Types of Properties Eligible for a DSCR Home Loan<\/h2>\n<p>A DSCR home loan, or debt service coverage ratio home loan, is a type of mortgage that assesses the borrower&#8217;s ability to cover their debt obligations with their income. When applying for a DSCR home loan, there are various factors to consider. One important consideration is the type of property that is eligible for this type of loan. Common types of properties that are eligible for a DSCR home loan include rental properties and multifamily properties. These types of properties have the advantage of generating rental income, which can help improve the debt service coverage ratio and increase the borrower&#8217;s ability to repay the loan. Additionally, commercial properties and investment properties may also be eligible for this type of loan. Lenders will assess the income potential and cash flow of these properties to determine if they meet the requirements for a DSCR home loan. By understanding the types of properties that are eligible, borrowers can better determine if a DSCR home loan is the right option for their real estate investment goals.<\/p>\n<h3>Single-Family Homes<\/h3>\n<p>Single-family homes are a popular choice for real estate investors looking to make an income through rental properties. To support these investors, DSCR Home Loans are specifically designed for purchasing or refinancing single-family properties.<\/p>\n<p>One of the main benefits of a DSCR Home Loan is the potential for cash flow. This means that the rent collected from tenants can cover not only the mortgage payment but also other expenses, such as property taxes and maintenance costs. This positive cash flow can provide investors with a steady income stream and the potential for long-term wealth generation.<\/p>\n<p>Unlike conventional loans that primarily consider the borrower&#8217;s personal income and credit score, DSCR Home Loans qualify borrowers based on the property&#8217;s rental income. This allows real estate investors to access financing based on the potential income generated by the property, rather than solely relying on their personal financial situation.<\/p>\n<p>By considering the potential cash flow and rental income, DSCR Home Loans provide real estate investors with a financing option that is tailored to their specific needs and goals. Whether purchasing a single-family home as an investment property or refinancing an existing property, DSCR Home Loans offer a strategic solution for maximizing returns in the world of real estate investment.<\/p>\n<h3>Multi-Family Homes<\/h3>\n<p>Multi-family homes can be an excellent investment opportunity for real estate investors, and the DSCR Home Loan program offers financing specifically tailored to these types of properties. To qualify for a DSCR Home Loan for multi-family homes, there are certain eligibility and qualification criteria that borrowers must meet.<\/p>\n<p>The primary requirement is that the property must be a multi-family dwelling, typically consisting of two to four units. This can include duplexes, triplexes, or fourplexes. The borrower must also meet certain financial criteria, such as having a strong credit score and a stable financial history.<\/p>\n<p>When it comes to financing multi-family properties through the DSCR Home Loan program, there are specific requirements and guidelines in place. These include maximum loan amounts, down payment requirements, and debt service coverage ratio (DSCR) thresholds.<\/p>\n<p>The maximum loan amount for multi-family properties will vary depending on factors such as the number of units and the location of the property. Generally, larger properties with more units will qualify for higher loan amounts.<\/p>\n<p>Down payment requirements for multi-family properties are typically higher than for single-family homes. The borrower may be required to provide a larger down payment, often ranging from 20% to 25% of the purchase price.<\/p>\n<p>In terms of the debt service coverage ratio (DSCR), lenders will generally require a minimum DSCR threshold to ensure that the rental income generated by the property is sufficient to cover the monthly mortgage payment and other expenses. A DSCR of 1.25 or higher is typically required for multi-family properties.<\/p>\n<p>By understanding these eligibility and qualification criteria, real estate investors can determine whether they meet the requirements for financing multi-family homes through the DSCR Home Loan program.<\/p>\n<h3>Condos and Townhomes<\/h3>\n<p>Obtaining a DSCR home loan for condos and townhomes follows similar eligibility criteria and considerations as for multi-family dwellings. However, there are specific requirements and advantages to using a DSCR loan for purchasing or refinancing these types of properties.<\/p>\n<p>To be eligible for a DSCR loan for condos and townhomes, borrowers typically need to meet certain financial criteria, including a strong credit score and a stable financial history. Lenders will also consider the property itself, ensuring it meets certain guidelines and is in good condition.<\/p>\n<p>When it comes to specific requirements, the maximum loan amount for condos and townhomes will depend on various factors such as the size of the unit and its location. Down payment requirements may also be higher than for single-family homes, often ranging from 20% to 25% of the purchase price. Additionally, lenders will typically require a minimum debt service coverage ratio (DSCR) to ensure that the rental income generated by the property is sufficient to cover the monthly mortgage payment and other related expenses.<\/p>\n<p>Using a DSCR loan for purchasing or refinancing condos and townhomes offers several advantages. These include the potential for generating income from renting out the unit(s), diversifying one&#8217;s real estate investment portfolio, and potentially increasing overall cash flow. Additionally, with a DSCR loan, borrowers have the opportunity to leverage the property&#8217;s rental income to help qualify for the loan, making it an attractive option for real estate investors.<\/p>\n<h3>Investment Properties<\/h3>\n<p>Investment properties come in various forms and can be eligible for a DSCR Home Loan. These properties include single-family homes, multi-family homes, condos, and townhomes.<\/p>\n<p>Lenders consider several key factors when approving these types of properties for a DSCR loan. First and foremost, the property&#8217;s potential income plays a crucial role. Lenders assess the property&#8217;s rental income and analyze its ability to cover the monthly mortgage payments and other expenses. They calculate the debt service coverage ratio (DSCR) to ensure the property generates enough income to meet these financial obligations.<\/p>\n<p>In addition, lenders also look at the property&#8217;s overall condition and location. They want to ensure that the investment property is in good shape and can attract tenants or buyers. The location is key as it determines factors such as rental demand and property appreciation potential. Furthermore, lenders will consider the borrower&#8217;s financial history and credit score to assess their ability to manage the property and meet loan obligations.<\/p>\n<p>Whether it&#8217;s a single-family home, a multi-family property, a condo, or a townhome, these investment properties can be eligible for a DSCR loan, providing borrowers with opportunities to generate income and build their real estate investment portfolio.<\/p>\n<h2>Popular Conventional Loan Programs Offering DSCR Loans<\/h2>\n<p>When it comes to financing investment properties, conventional loan programs offer a variety of options that include debt service coverage ratio (DSCR) loans. These loan programs are particularly appealing to real estate investors looking to finance properties with rental income. Lenders consider various factors when approving these loans, including the property&#8217;s potential income, its overall condition and location, and the borrower&#8217;s financial history and credit score. These factors combined help lenders gauge the property&#8217;s ability to generate sufficient income to cover monthly mortgage payments and other expenses. By offering DSCR loans, conventional loan programs provide real estate investors with the financial resources they need to acquire and manage properties while ensuring their financial stability and success. This makes them a popular choice among investors in the real estate market.[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1782997299001{padding-top: 80px !important;padding-bottom: 50px !important;}&#8221; vonk_bg_color=&#8221;#fbfaf7&#8243;][vc_column]<style>.vonk_6a736533c6278{color:var(--vonk-accent);font-size:16px;font-weight:600;text-transform:uppercase;line-height:1.3;}<\/style><div class=\"vonk-heading vonk-heading-plain vonk-text-2xl vonk-text-left vonk_6a736533c6278\"><span class=\"vonk-heading-inner vonk-inline-block\">- Client Resources<\/span><\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:20px;\"><\/div><style>.vonk_6a736533c6411{font-size:35px;font-weight:600;}<\/style><div class=\"vonk-heading vonk-heading-plain vonk-text-2xl vonk_6a736533c6411\"><span class=\"vonk-heading-inner vonk-inline-block\">Everything you need, in one place.<\/span><\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:20px;\"><\/div>[vc_column_text align=&#8221;left&#8221; css=&#8221;&#8221; text_align=&#8221;left&#8221; width=&#8221;600&#8243; line_height=&#8221;1.5&#8243; font_size=&#8221;16&#8243;]Explore our calculators, loan programs, and insights \u2014 then request a free consultation whenever you&#8217;re ready.[\/vc_column_text]<style>.vonk_6a736533c650c{gap:30px;}<\/style><div class=\"vonk-grid-container vonk-grid vonk-gap-20 vonk-grid-cols-1 vonk-sm-grid-cols-2 vonk-lg-grid-cols-4 vc_custom_1782309571634 vonk_6a736533c650c\"><style>.vonk_6a736533c6836{background:#ffffff;padding-block:30px;padding-inline:30px;border-radius:12px;}.vonk_6a736533c6836:hover{background:var(--vonk-accent);}.vonk_6a736533c6836 .vonk-icon-box-content{font-size:14px;}.vonk_6a736533c6836 .vonk-icon-box-heading{color:var(--vonk-accent);font-size:18px;font-weight:600;}.vonk_6a736533c6836 .vonk-icon-box-icon{font-size:20px;color:var(--vonk-accent);background:#f6f6f6;border-radius:15px;height:50px;width:50px;}.vonk_6a736533c6836:hover .vonk-icon-box-icon{background:#808080;}.vonk_6a736533c6836 .vonk-icon-box-button{font-size:14px;color:var(--vonk-accent);}<\/style><a class=\"vonk-icon-box vonk-icon-box-two vonk-icon-box-hover-text-white vonk-icon-box-has-link vonk-inherit-color vonk-no-underline vonk-flex vonk-flex-col vonk-shadow-2xl vonk-text-left hvr hvr-float vc_custom_1782997254629 vonk_6a736533c6836\" href=\"\/mortgage-calculator\/\" title=\"Mortgage Calculator\"><div class=\"vonk-icon-box-symbol vonk-icon-box-symbol--icon vonk-mb-20\"><div class=\"vonk-icon-box-icon vonk-items-center vonk-justify-center vonk-child-inherit-color vonk-text-center vonk-leading-none vonk-inline-flex vonk-text-1\"><span class=\"vonk-flex vonk-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 384 512\"><path d=\"M64 0C28.7 0 0 28.7 0 64V448c0 35.3 28.7 64 64 64H320c35.3 0 64-28.7 64-64V64c0-35.3-28.7-64-64-64H64zM96 64H288c17.7 0 32 14.3 32 32v32c0 17.7-14.3 32-32 32H96c-17.7 0-32-14.3-32-32V96c0-17.7 14.3-32 32-32zm32 160a32 32 0 1 1 -64 0 32 32 0 1 1 64 0zM96 352a32 32 0 1 1 0-64 32 32 0 1 1 0 64zM64 416c0-17.7 14.3-32 32-32h96c17.7 0 32 14.3 32 32s-14.3 32-32 32H96c-17.7 0-32-14.3-32-32zM192 256a32 32 0 1 1 0-64 32 32 0 1 1 0 64zm32 64a32 32 0 1 1 -64 0 32 32 0 1 1 64 0zm64-64a32 32 0 1 1 0-64 32 32 0 1 1 0 64zm32 64a32 32 0 1 1 -64 0 32 32 0 1 1 64 0zM288 448a32 32 0 1 1 0-64 32 32 0 1 1 0 64z\"\/><\/svg><\/span><\/div><\/div><div class=\"vonk-icon-box-text vonk-flex-grow vonk-flex vonk-flex-col\"><div class=\"vonk-icon-box-heading vonk-heading vonk-mb-10\">Mortgage Calculator<\/div><div class=\"vonk-icon-box-content vonk-last-mb-0 vonk-clr vonk-mb-20\"><p>Run different scenarios &#8211; purchase, refi, rent vs. buy, VA and more&#8230;<\/p>\n<\/div><div class=\"vonk-icon-box-button-wrap vonk-mt-auto\"><span class=\"vonk-icon-box-button theme-txt-link\">Open Calculators<\/span><\/div><\/div><\/a><style>.vonk_6a736533c6f84{background:#ffffff;padding-block:30px;padding-inline:30px;border-radius:12px;}.vonk_6a736533c6f84:hover{background:var(--vonk-accent);}.vonk_6a736533c6f84 .vonk-icon-box-content{font-size:14px;}.vonk_6a736533c6f84 .vonk-icon-box-heading{color:var(--vonk-accent);font-size:18px;font-weight:600;}.vonk_6a736533c6f84 .vonk-icon-box-icon{font-size:20px;color:var(--vonk-accent);background:#f6f6f6;border-radius:15px;height:50px;width:50px;}.vonk_6a736533c6f84:hover .vonk-icon-box-icon{background:#808080;}.vonk_6a736533c6f84 .vonk-icon-box-button{font-size:14px;color:var(--vonk-accent);}<\/style><a class=\"vonk-icon-box vonk-icon-box-two vonk-icon-box-hover-text-white vonk-icon-box-has-link vonk-inherit-color vonk-no-underline vonk-flex vonk-flex-col vonk-shadow-2xl vonk-text-left hvr hvr-float vc_custom_1782997259462 vonk_6a736533c6f84\" href=\"\/blog\/\" title=\"Mortgage Insights\"><div class=\"vonk-icon-box-symbol vonk-icon-box-symbol--icon vonk-mb-20\"><div class=\"vonk-icon-box-icon vonk-items-center vonk-justify-center vonk-child-inherit-color vonk-text-center vonk-leading-none vonk-inline-flex vonk-text-1\"><span class=\"vonk-flex vonk-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 384 512\"><path d=\"M0 48C0 21.5 21.5 0 48 0l0 48V441.4l130.1-92.9c8.3-6 19.6-6 27.9 0L336 441.4V48H48V0H336c26.5 0 48 21.5 48 48V488c0 9-5 17.2-13 21.3s-17.6 3.4-24.9-1.8L192 397.5 37.9 507.5c-7.3 5.2-16.9 5.9-24.9 1.8S0 497 0 488V48z\"\/><\/svg><\/span><\/div><\/div><div class=\"vonk-icon-box-text vonk-flex-grow vonk-flex vonk-flex-col\"><div class=\"vonk-icon-box-heading vonk-heading vonk-mb-10\">Mortgage Insights<\/div><div class=\"vonk-icon-box-content vonk-last-mb-0 vonk-clr vonk-mb-20\"><p>All things mortgage: insights, trends, and resources from our team.<\/p>\n<\/div><div class=\"vonk-icon-box-button-wrap vonk-mt-auto\"><span class=\"vonk-icon-box-button theme-txt-link\">Read the blog<\/span><\/div><\/div><\/a><style>.vonk_6a736533c719d{background:#ffffff;padding-block:30px;padding-inline:30px;border-radius:12px;}.vonk_6a736533c719d:hover{background:var(--vonk-accent);}.vonk_6a736533c719d .vonk-icon-box-content{font-size:14px;}.vonk_6a736533c719d .vonk-icon-box-heading{color:var(--vonk-accent);font-size:18px;font-weight:600;}.vonk_6a736533c719d .vonk-icon-box-icon{font-size:20px;color:var(--vonk-accent);background:#f6f6f6;border-radius:15px;height:50px;width:50px;}.vonk_6a736533c719d:hover .vonk-icon-box-icon{background:#808080;}.vonk_6a736533c719d .vonk-icon-box-button{font-size:14px;color:var(--vonk-accent);}<\/style><a class=\"vonk-icon-box vonk-icon-box-two vonk-icon-box-hover-text-white vonk-icon-box-has-link vonk-inherit-color vonk-no-underline vonk-flex vonk-flex-col vonk-shadow-2xl vonk-text-left hvr hvr-float vc_custom_1782997264340 vonk_6a736533c719d\" href=\"\/loan-options\/\" title=\"Loan Programs\"><div class=\"vonk-icon-box-symbol vonk-icon-box-symbol--icon vonk-mb-20\"><div class=\"vonk-icon-box-icon vonk-items-center vonk-justify-center vonk-child-inherit-color vonk-text-center vonk-leading-none vonk-inline-flex vonk-text-1\"><span class=\"vonk-flex vonk-icon vonk-icon--bidi\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M288 64c0 17.7-14.3 32-32 32H32C14.3 96 0 81.7 0 64S14.3 32 32 32H256c17.7 0 32 14.3 32 32zm0 256c0 17.7-14.3 32-32 32H32c-17.7 0-32-14.3-32-32s14.3-32 32-32H256c17.7 0 32 14.3 32 32zM0 192c0-17.7 14.3-32 32-32H416c17.7 0 32 14.3 32 32s-14.3 32-32 32H32c-17.7 0-32-14.3-32-32zM448 448c0 17.7-14.3 32-32 32H32c-17.7 0-32-14.3-32-32s14.3-32 32-32H416c17.7 0 32 14.3 32 32z\"\/><\/svg><\/span><\/div><\/div><div class=\"vonk-icon-box-text vonk-flex-grow vonk-flex vonk-flex-col\"><div class=\"vonk-icon-box-heading vonk-heading vonk-mb-10\">Loan Programs<\/div><div class=\"vonk-icon-box-content vonk-last-mb-0 vonk-clr vonk-mb-20\"><p>Familiarize yourself with the loan programs we offer and who they fit.<\/p>\n<\/div><div class=\"vonk-icon-box-button-wrap vonk-mt-auto\"><span class=\"vonk-icon-box-button theme-txt-link\">View loan options<\/span><\/div><\/div><\/a><style>.vonk_6a736533c73a9{background:#ffffff;padding-block:30px;padding-inline:30px;border-radius:12px;}.vonk_6a736533c73a9:hover{background:var(--vonk-accent);}.vonk_6a736533c73a9 .vonk-icon-box-content{font-size:14px;}.vonk_6a736533c73a9 .vonk-icon-box-heading{color:var(--vonk-accent);font-size:18px;font-weight:600;}.vonk_6a736533c73a9 .vonk-icon-box-icon{font-size:20px;color:var(--vonk-accent);background:#f6f6f6;border-radius:15px;height:50px;width:50px;}.vonk_6a736533c73a9:hover .vonk-icon-box-icon{background:#808080;}.vonk_6a736533c73a9 .vonk-icon-box-button{font-size:14px;color:var(--vonk-accent);}<\/style><a class=\"vonk-icon-box vonk-icon-box-two vonk-icon-box-hover-text-white vonk-icon-box-has-link vonk-inherit-color vonk-no-underline vonk-flex vonk-flex-col vonk-shadow-2xl vonk-text-left hvr hvr-float vc_custom_1782997271454 vonk_6a736533c73a9\" href=\"https:\/\/apply.maxloans.com\/\" title=\"Start Application\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"vonk-icon-box-symbol vonk-icon-box-symbol--icon vonk-mb-20\"><div class=\"vonk-icon-box-icon vonk-items-center vonk-justify-center vonk-child-inherit-color vonk-text-center vonk-leading-none vonk-inline-flex vonk-text-1\"><span class=\"vonk-flex vonk-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M288 32c0-17.7-14.3-32-32-32s-32 14.3-32 32V274.7l-73.4-73.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l128 128c12.5 12.5 32.8 12.5 45.3 0l128-128c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L288 274.7V32zM64 352c-35.3 0-64 28.7-64 64v32c0 35.3 28.7 64 64 64H448c35.3 0 64-28.7 64-64V416c0-35.3-28.7-64-64-64H346.5l-45.3 45.3c-25 25-65.5 25-90.5 0L165.5 352H64zm368 56a24 24 0 1 1 0 48 24 24 0 1 1 0-48z\"\/><\/svg><\/span><\/div><\/div><div class=\"vonk-icon-box-text vonk-flex-grow vonk-flex vonk-flex-col\"><div class=\"vonk-icon-box-heading vonk-heading vonk-mb-10\">Start Application<\/div><div class=\"vonk-icon-box-content vonk-last-mb-0 vonk-clr vonk-mb-20\"><p>Begin your secure mortgage application online today &#8211; at your pace.<\/p>\n<\/div><div class=\"vonk-icon-box-button-wrap vonk-mt-auto\"><span class=\"vonk-icon-box-button theme-txt-link\">Apply online<\/span><\/div><\/div><\/a><\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:50px;\"><\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; el_class=&#8221;hero-section&#8221; css=&#8221;.vc_custom_1782996941896{padding-top: 80px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; el_id=&#8221;quote&#8221;][vc_column]<style>.vonk_6a736533c7595{color:var(--vonk-accent);font-size:16px;font-weight:600;text-transform:uppercase;line-height:1.3;}<\/style><div class=\"vonk-heading vonk-heading-plain vonk-text-2xl vonk-text-center vonk_6a736533c7595\"><span class=\"vonk-heading-inner vonk-inline-block\">- Quick 1-minute loan request<\/span><\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:20px;\"><\/div><style>.vonk_6a736533c76e8{font-size:35px;font-weight:600;}<\/style><div class=\"vonk-heading vonk-heading-plain vonk-text-2xl vonk-text-center vonk_6a736533c76e8\"><span class=\"vonk-heading-inner vonk-inline-block\">Let's start with where you are<\/span><\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\"><\/div>[vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;]<style id=\"wpforms-css-vars-5859\">\n\t\t\t\t#wpforms-5859 {\n\t\t\t\t--wpforms-field-size-input-height: 43px;\n--wpforms-field-size-input-spacing: 15px;\n--wpforms-field-size-font-size: 16px;\n--wpforms-field-size-line-height: 19px;\n--wpforms-field-size-padding-h: 14px;\n--wpforms-field-size-checkbox-size: 16px;\n--wpforms-field-size-sublabel-spacing: 5px;\n--wpforms-field-size-icon-size: 1;\n--wpforms-label-size-font-size: 16px;\n--wpforms-label-size-line-height: 19px;\n--wpforms-label-size-sublabel-font-size: 14px;\n--wpforms-label-size-sublabel-line-height: 17px;\n--wpforms-button-size-font-size: 17px;\n--wpforms-button-size-height: 41px;\n--wpforms-button-size-padding-h: 15px;\n--wpforms-button-size-margin-top: 10px;\n--wpforms-container-shadow-size-box-shadow: none;\n\t\t\t}\n\t\t\t<\/style><div class=\"wpforms-container wpforms-container-full vdwpfe-auto-advance online-mortgage-form wpforms-render-modern\" id=\"wpforms-5859\"><form id=\"wpforms-form-5859\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"5859\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/~bradmiller\/wp-json\/wp\/v2\/pages\/4696\" data-token=\"2d55a51c3d165118fb4b5c47b17d58d8\" data-token-time=\"1785947443\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div id=\"wpforms-error-noscript\" style=\"display: none;\">Please enable JavaScript in your browser to complete this form.<\/div><div class=\"wpforms-page-indicator progress\" data-indicator=\"progress\" data-indicator-color=\"#3e7666\" data-scroll=\"1\" role=\"progressbar\" aria-valuenow=\"1\" aria-valuemin=\"1\" aria-valuemax=\"17\" tabindex=\"-1\"><span class=\"wpforms-page-indicator-page-title\" ><\/span><span class=\"wpforms-page-indicator-page-title-sep\" style=\"display:none;\"> - <\/span><span class=\"wpforms-page-indicator-steps\">Step <span class=\"wpforms-page-indicator-steps-current\">1<\/span> of 17<\/span><div class=\"wpforms-page-indicator-page-progress-wrap\"><div class=\"wpforms-page-indicator-page-progress\" style=\"width:5.8823529411765%;background-color:#3e7666\"><\/div><\/div><\/div><div class=\"wpforms-field-container\"><div class=\"wpforms-page wpforms-page-1 \" data-page=\"1\"><div id=\"wpforms-5859-field_8-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"8\"><\/div><div id=\"wpforms-5859-field_11-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline wpforms-conditional-trigger\" data-field-type=\"radio\" data-field-id=\"11\"><fieldset><legend class=\"wpforms-field-label\">What\u2019s your main goal right now?<\/legend><ul id=\"wpforms-5859-field_11\" class=\"wpforms-icon-choices wpforms-icon-choices-default wpforms-icon-choices-large\" style=\"--wpforms-icon-choices-color: #066aab;\"><li class=\"choice-1 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_11_1\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 576 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M0 24C0 10.7 10.7 0 24 0H69.5c22 0 41.5 12.8 50.6 32h411c26.3 0 45.5 25 38.6 50.4l-41 152.3c-8.5 31.4-37 53.3-69.5 53.3H170.7l5.4 28.5c2.2 11.3 12.1 19.5 23.6 19.5H488c13.3 0 24 10.7 24 24s-10.7 24-24 24H199.7c-34.6 0-64.3-24.6-70.7-58.5L77.4 54.5c-.7-3.8-4-6.5-7.9-6.5H24C10.7 48 0 37.3 0 24zM128 464a48 48 0 1 1 96 0 48 48 0 1 1 -96 0zm336-48a48 48 0 1 1 0 96 48 48 0 1 1 0-96z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_11_1\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][11]\" value=\"I want to purchase\" aria-errormessage=\"wpforms-5859-field_11_1-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">I want to purchase<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-3 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_11_3\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 512 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M32 32c17.7 0 32 14.3 32 32V400c0 8.8 7.2 16 16 16H480c17.7 0 32 14.3 32 32s-14.3 32-32 32H80c-44.2 0-80-35.8-80-80V64C0 46.3 14.3 32 32 32zM160 224c17.7 0 32 14.3 32 32v64c0 17.7-14.3 32-32 32s-32-14.3-32-32V256c0-17.7 14.3-32 32-32zm128-64V320c0 17.7-14.3 32-32 32s-32-14.3-32-32V160c0-17.7 14.3-32 32-32s32 14.3 32 32zm64 32c17.7 0 32 14.3 32 32v96c0 17.7-14.3 32-32 32s-32-14.3-32-32V224c0-17.7 14.3-32 32-32zM480 96V320c0 17.7-14.3 32-32 32s-32-14.3-32-32V96c0-17.7 14.3-32 32-32s32 14.3 32 32z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_11_3\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][11]\" value=\"I want to refinance\" aria-errormessage=\"wpforms-5859-field_11_3-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">I want to refinance<\/span>\n\t\t\t<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_7-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"7\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"1\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-2  \" data-page=\"2\" style=\"display:none;\"><div id=\"wpforms-5859-field_14-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline\" data-field-type=\"radio\" data-field-id=\"14\"><fieldset><legend class=\"wpforms-field-label\">What type of home is it?<\/legend><ul id=\"wpforms-5859-field_14\" class=\"wpforms-icon-choices wpforms-icon-choices-default wpforms-icon-choices-large\" style=\"--wpforms-icon-choices-color: #066aab;\"><li class=\"choice-1 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_14_1\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 576 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M575.8 255.5c0 18-15 32.1-32 32.1h-32l.7 160.2c0 2.7-.2 5.4-.5 8.1V472c0 22.1-17.9 40-40 40H456c-1.1 0-2.2 0-3.3-.1c-1.4 .1-2.8 .1-4.2 .1H416 392c-22.1 0-40-17.9-40-40V448 384c0-17.7-14.3-32-32-32H256c-17.7 0-32 14.3-32 32v64 24c0 22.1-17.9 40-40 40H160 128.1c-1.5 0-3-.1-4.5-.2c-1.2 .1-2.4 .2-3.6 .2H104c-22.1 0-40-17.9-40-40V360c0-.9 0-1.9 .1-2.8V287.6H32c-18 0-32-14-32-32.1c0-9 3-17 10-24L266.4 8c7-7 15-8 22-8s15 2 21 7L564.8 231.5c8 7 12 15 11 24z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_14_1\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][14]\" value=\"Single Family\" aria-errormessage=\"wpforms-5859-field_14_1-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Single Family<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-2 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_14_2\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 384 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M64 48c-8.8 0-16 7.2-16 16V448c0 8.8 7.2 16 16 16h80V400c0-26.5 21.5-48 48-48s48 21.5 48 48v64h80c8.8 0 16-7.2 16-16V64c0-8.8-7.2-16-16-16H64zM0 64C0 28.7 28.7 0 64 0H320c35.3 0 64 28.7 64 64V448c0 35.3-28.7 64-64 64H64c-35.3 0-64-28.7-64-64V64zm88 40c0-8.8 7.2-16 16-16h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H104c-8.8 0-16-7.2-16-16V104zM232 88h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H232c-8.8 0-16-7.2-16-16V104c0-8.8 7.2-16 16-16zM88 232c0-8.8 7.2-16 16-16h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H104c-8.8 0-16-7.2-16-16V232zm144-16h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H232c-8.8 0-16-7.2-16-16V232c0-8.8 7.2-16 16-16z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_14_2\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][14]\" value=\"Townhouse\" aria-errormessage=\"wpforms-5859-field_14_2-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Townhouse<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-3 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_14_3\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 512 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M0 32C0 14.3 14.3 0 32 0H480c17.7 0 32 14.3 32 32s-14.3 32-32 32V448c17.7 0 32 14.3 32 32s-14.3 32-32 32H304V464c0-26.5-21.5-48-48-48s-48 21.5-48 48v48H32c-17.7 0-32-14.3-32-32s14.3-32 32-32V64C14.3 64 0 49.7 0 32zm96 80v32c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16V112c0-8.8-7.2-16-16-16H112c-8.8 0-16 7.2-16 16zM240 96c-8.8 0-16 7.2-16 16v32c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16V112c0-8.8-7.2-16-16-16H240zm112 16v32c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16V112c0-8.8-7.2-16-16-16H368c-8.8 0-16 7.2-16 16zM112 192c-8.8 0-16 7.2-16 16v32c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16V208c0-8.8-7.2-16-16-16H112zm112 16v32c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16V208c0-8.8-7.2-16-16-16H240c-8.8 0-16 7.2-16 16zm144-16c-8.8 0-16 7.2-16 16v32c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16V208c0-8.8-7.2-16-16-16H368zM328 384c13.3 0 24.3-10.9 21-23.8c-10.6-41.5-48.2-72.2-93-72.2s-82.5 30.7-93 72.2c-3.3 12.8 7.8 23.8 21 23.8H328z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_14_3\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][14]\" value=\"Condominium\" aria-errormessage=\"wpforms-5859-field_14_3-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Condominium<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-4 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_14_4\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 640 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M335.5 4l288 160c15.4 8.6 21 28.1 12.4 43.5s-28.1 21-43.5 12.4L320 68.6 47.5 220c-15.4 8.6-34.9 3-43.5-12.4s-3-34.9 12.4-43.5L304.5 4c9.7-5.4 21.4-5.4 31.1 0zM320 160a40 40 0 1 1 0 80 40 40 0 1 1 0-80zM144 256a40 40 0 1 1 0 80 40 40 0 1 1 0-80zm312 40a40 40 0 1 1 80 0 40 40 0 1 1 -80 0zM226.9 491.4L200 441.5V480c0 17.7-14.3 32-32 32H120c-17.7 0-32-14.3-32-32V441.5L61.1 491.4c-6.3 11.7-20.8 16-32.5 9.8s-16-20.8-9.8-32.5l37.9-70.3c15.3-28.5 45.1-46.3 77.5-46.3h19.5c16.3 0 31.9 4.5 45.4 12.6l33.6-62.3c15.3-28.5 45.1-46.3 77.5-46.3h19.5c32.4 0 62.1 17.8 77.5 46.3l33.6 62.3c13.5-8.1 29.1-12.6 45.4-12.6h19.5c32.4 0 62.1 17.8 77.5 46.3l37.9 70.3c6.3 11.7 1.9 26.2-9.8 32.5s-26.2 1.9-32.5-9.8L552 441.5V480c0 17.7-14.3 32-32 32H472c-17.7 0-32-14.3-32-32V441.5l-26.9 49.9c-6.3 11.7-20.8 16-32.5 9.8s-16-20.8-9.8-32.5l36.3-67.5c-1.7-1.7-3.2-3.6-4.3-5.8L376 345.5V400c0 17.7-14.3 32-32 32H296c-17.7 0-32-14.3-32-32V345.5l-26.9 49.9c-1.2 2.2-2.6 4.1-4.3 5.8l36.3 67.5c6.3 11.7 1.9 26.2-9.8 32.5s-26.2 1.9-32.5-9.8z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_14_4\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][14]\" value=\"Multi-Family\" aria-errormessage=\"wpforms-5859-field_14_4-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Multi-Family<\/span>\n\t\t\t<\/label><\/li><\/ul><\/fieldset><\/div>\t\t<div id=\"wpforms-5859-field_2-container\"\n\t\t\tclass=\"wpforms-field wpforms-field-text\"\n\t\t\tdata-field-type=\"text\"\n\t\t\tdata-field-id=\"2\"\n\t\t\t>\n\t\t\t<label class=\"wpforms-field-label\" for=\"wpforms-5859-field_2\" >your buying your<\/label>\n\t\t\t<input type=\"text\" id=\"wpforms-5859-field_2\" class=\"wpforms-field-medium\" name=\"wpforms[fields][2]\" >\n\t\t<\/div>\n\t\t<div id=\"wpforms-5859-field_15-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"15\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"2\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"2\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-3  \" data-page=\"3\" style=\"display:none;\"><div id=\"wpforms-5859-field_16-container\" class=\"wpforms-field wpforms-field-radio wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"radio\" data-field-id=\"16\" style=\"display:none;\"><fieldset><legend class=\"wpforms-field-label\">Where are you in the home buying process?<\/legend><ul id=\"wpforms-5859-field_16\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_16_1\" name=\"wpforms[fields][16]\" value=\"Signed a purchase contract\" aria-errormessage=\"wpforms-5859-field_16_1-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_16_1\">Signed a purchase contract<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_16_2\" name=\"wpforms[fields][16]\" value=\"Found a home\" aria-errormessage=\"wpforms-5859-field_16_2-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_16_2\">Found a home<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_16_3\" name=\"wpforms[fields][16]\" value=\"Looking to buy within one month\" aria-errormessage=\"wpforms-5859-field_16_3-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_16_3\">Looking to buy within one month<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_16_4\" name=\"wpforms[fields][16]\" value=\"Looking to buy in 1 to 3 months\" aria-errormessage=\"wpforms-5859-field_16_4-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_16_4\">Looking to buy in 1 to 3 months<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_16_5\" name=\"wpforms[fields][16]\" value=\"Looking to buy in more than 3 months\" aria-errormessage=\"wpforms-5859-field_16_5-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_16_5\">Looking to buy in more than 3 months<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_17-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"17\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"3\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"3\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-4  \" data-page=\"4\" style=\"display:none;\"><div id=\"wpforms-5859-field_18-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"radio\" data-field-id=\"18\" style=\"display:none;\"><fieldset><legend class=\"wpforms-field-label\">How do you plan to use your new home?<\/legend><ul id=\"wpforms-5859-field_18\" class=\"wpforms-icon-choices wpforms-icon-choices-default wpforms-icon-choices-large\" style=\"--wpforms-icon-choices-color: #066aab;\"><li class=\"choice-1 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_18_1\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 576 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M543.8 287.6c17 0 32-14 32-32.1c1-9-3-17-11-24L512 185V64c0-17.7-14.3-32-32-32H448c-17.7 0-32 14.3-32 32v36.7L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32v69.7c-.1 .9-.1 1.8-.1 2.8V472c0 22.1 17.9 40 40 40h16c1.2 0 2.4-.1 3.6-.2c1.5 .1 3 .2 4.5 .2H160h24c22.1 0 40-17.9 40-40V448 384c0-17.7 14.3-32 32-32h64c17.7 0 32 14.3 32 32v64 24c0 22.1 17.9 40 40 40h24 32.5c1.4 0 2.8 0 4.2-.1c1.1 .1 2.2 .1 3.3 .1h16c22.1 0 40-17.9 40-40V455.8c.3-2.6 .5-5.3 .5-8.1l-.7-160.2h32z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_18_1\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][18]\" value=\"Primary Residence\" aria-errormessage=\"wpforms-5859-field_18_1-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Primary Residence<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-2 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_18_2\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 576 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M346.3 271.8l-60.1-21.9L214 448H32c-17.7 0-32 14.3-32 32s14.3 32 32 32H544c17.7 0 32-14.3 32-32s-14.3-32-32-32H282.1l64.1-176.2zm121.1-.2l-3.3 9.1 67.7 24.6c18.1 6.6 38-4.2 39.6-23.4c6.5-78.5-23.9-155.5-80.8-208.5c2 8 3.2 16.3 3.4 24.8l.2 6c1.8 57-7.3 113.8-26.8 167.4zM462 99.1c-1.1-34.4-22.5-64.8-54.4-77.4c-.9-.4-1.9-.7-2.8-1.1c-33-11.7-69.8-2.4-93.1 23.8l-4 4.5C272.4 88.3 245 134.2 226.8 184l-3.3 9.1L434 269.7l3.3-9.1c18.1-49.8 26.6-102.5 24.9-155.5l-.2-6zM107.2 112.9c-11.1 15.7-2.8 36.8 15.3 43.4l71 25.8 3.3-9.1c19.5-53.6 49.1-103 87.1-145.5l4-4.5c6.2-6.9 13.1-13 20.5-18.2c-79.6 2.5-154.7 42.2-201.2 108z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_18_2\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][18]\" value=\"Vacation Property\" aria-errormessage=\"wpforms-5859-field_18_2-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Vacation Property<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-3 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_18_3\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 384 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M64 48c-8.8 0-16 7.2-16 16V448c0 8.8 7.2 16 16 16h80V400c0-26.5 21.5-48 48-48s48 21.5 48 48v64h80c8.8 0 16-7.2 16-16V64c0-8.8-7.2-16-16-16H64zM0 64C0 28.7 28.7 0 64 0H320c35.3 0 64 28.7 64 64V448c0 35.3-28.7 64-64 64H64c-35.3 0-64-28.7-64-64V64zm88 40c0-8.8 7.2-16 16-16h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H104c-8.8 0-16-7.2-16-16V104zM232 88h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H232c-8.8 0-16-7.2-16-16V104c0-8.8 7.2-16 16-16zM88 232c0-8.8 7.2-16 16-16h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H104c-8.8 0-16-7.2-16-16V232zm144-16h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H232c-8.8 0-16-7.2-16-16V232c0-8.8 7.2-16 16-16z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_18_3\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][18]\" value=\"Investment Property\" aria-errormessage=\"wpforms-5859-field_18_3-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Investment Property<\/span>\n\t\t\t<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_19-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"19\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"4\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"4\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-5  \" data-page=\"5\" style=\"display:none;\"><div id=\"wpforms-5859-field_20-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline\" data-field-type=\"radio\" data-field-id=\"20\"><fieldset><legend class=\"wpforms-field-label\">Have you or your spouse served in the US military?<\/legend><ul id=\"wpforms-5859-field_20\" class=\"wpforms-icon-choices wpforms-icon-choices-default wpforms-icon-choices-large\" style=\"--wpforms-icon-choices-color: #066aab;\"><li class=\"choice-1 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_20_1\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 512 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M313.4 32.9c26 5.2 42.9 30.5 37.7 56.5l-2.3 11.4c-5.3 26.7-15.1 52.1-28.8 75.2H464c26.5 0 48 21.5 48 48c0 18.5-10.5 34.6-25.9 42.6C497 275.4 504 288.9 504 304c0 23.4-16.8 42.9-38.9 47.1c4.4 7.3 6.9 15.8 6.9 24.9c0 21.3-13.9 39.4-33.1 45.6c.7 3.3 1.1 6.8 1.1 10.4c0 26.5-21.5 48-48 48H294.5c-19 0-37.5-5.6-53.3-16.1l-38.5-25.7C176 420.4 160 390.4 160 358.3V320 272 247.1c0-29.2 13.3-56.7 36-75l7.4-5.9c26.5-21.2 44.6-51 51.2-84.2l2.3-11.4c5.2-26 30.5-42.9 56.5-37.7zM32 192H96c17.7 0 32 14.3 32 32V448c0 17.7-14.3 32-32 32H32c-17.7 0-32-14.3-32-32V224c0-17.7 14.3-32 32-32z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_20_1\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][20]\" value=\"Yes\" aria-errormessage=\"wpforms-5859-field_20_1-error\" aria-describedby=\"wpforms-5859-field_20-description\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Yes<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-2 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_20_2\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 512 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M313.4 479.1c26-5.2 42.9-30.5 37.7-56.5l-2.3-11.4c-5.3-26.7-15.1-52.1-28.8-75.2H464c26.5 0 48-21.5 48-48c0-18.5-10.5-34.6-25.9-42.6C497 236.6 504 223.1 504 208c0-23.4-16.8-42.9-38.9-47.1c4.4-7.3 6.9-15.8 6.9-24.9c0-21.3-13.9-39.4-33.1-45.6c.7-3.3 1.1-6.8 1.1-10.4c0-26.5-21.5-48-48-48H294.5c-19 0-37.5 5.6-53.3 16.1L202.7 73.8C176 91.6 160 121.6 160 153.7V192v48 24.9c0 29.2 13.3 56.7 36 75l7.4 5.9c26.5 21.2 44.6 51 51.2 84.2l2.3 11.4c5.2 26 30.5 42.9 56.5 37.7zM32 384H96c17.7 0 32-14.3 32-32V128c0-17.7-14.3-32-32-32H32C14.3 96 0 110.3 0 128V352c0 17.7 14.3 32 32 32z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_20_2\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][20]\" value=\"No\" aria-errormessage=\"wpforms-5859-field_20_2-error\" aria-describedby=\"wpforms-5859-field_20-description\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">No<\/span>\n\t\t\t<\/label><\/li><\/ul><div id=\"wpforms-5859-field_20-description\" class=\"wpforms-field-description\">Veterans and active US military may be eligible for a $0 down VA loan when purchasing a home.<\/div><\/fieldset><\/div><div id=\"wpforms-5859-field_22-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"22\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"5\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"5\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-6  \" data-page=\"6\" style=\"display:none;\"><div id=\"wpforms-5859-field_26-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"radio\" data-field-id=\"26\" style=\"display:none;\"><fieldset><legend class=\"wpforms-field-label\">Is this your first time purchasing a home?<\/legend><ul id=\"wpforms-5859-field_26\" class=\"wpforms-icon-choices wpforms-icon-choices-default wpforms-icon-choices-large\" style=\"--wpforms-icon-choices-color: #066aab;\"><li class=\"choice-1 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_26_1\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 512 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M313.4 32.9c26 5.2 42.9 30.5 37.7 56.5l-2.3 11.4c-5.3 26.7-15.1 52.1-28.8 75.2H464c26.5 0 48 21.5 48 48c0 18.5-10.5 34.6-25.9 42.6C497 275.4 504 288.9 504 304c0 23.4-16.8 42.9-38.9 47.1c4.4 7.3 6.9 15.8 6.9 24.9c0 21.3-13.9 39.4-33.1 45.6c.7 3.3 1.1 6.8 1.1 10.4c0 26.5-21.5 48-48 48H294.5c-19 0-37.5-5.6-53.3-16.1l-38.5-25.7C176 420.4 160 390.4 160 358.3V320 272 247.1c0-29.2 13.3-56.7 36-75l7.4-5.9c26.5-21.2 44.6-51 51.2-84.2l2.3-11.4c5.2-26 30.5-42.9 56.5-37.7zM32 192H96c17.7 0 32 14.3 32 32V448c0 17.7-14.3 32-32 32H32c-17.7 0-32-14.3-32-32V224c0-17.7 14.3-32 32-32z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_26_1\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][26]\" value=\"Yes\" aria-errormessage=\"wpforms-5859-field_26_1-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Yes<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-2 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_26_2\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 512 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M313.4 479.1c26-5.2 42.9-30.5 37.7-56.5l-2.3-11.4c-5.3-26.7-15.1-52.1-28.8-75.2H464c26.5 0 48-21.5 48-48c0-18.5-10.5-34.6-25.9-42.6C497 236.6 504 223.1 504 208c0-23.4-16.8-42.9-38.9-47.1c4.4-7.3 6.9-15.8 6.9-24.9c0-21.3-13.9-39.4-33.1-45.6c.7-3.3 1.1-6.8 1.1-10.4c0-26.5-21.5-48-48-48H294.5c-19 0-37.5 5.6-53.3 16.1L202.7 73.8C176 91.6 160 121.6 160 153.7V192v48 24.9c0 29.2 13.3 56.7 36 75l7.4 5.9c26.5 21.2 44.6 51 51.2 84.2l2.3 11.4c5.2 26 30.5 42.9 56.5 37.7zM32 384H96c17.7 0 32-14.3 32-32V128c0-17.7-14.3-32-32-32H32C14.3 96 0 110.3 0 128V352c0 17.7 14.3 32 32 32z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_26_2\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][26]\" value=\"No\" aria-errormessage=\"wpforms-5859-field_26_2-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">No<\/span>\n\t\t\t<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_27-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"27\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"6\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"6\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-7  \" data-page=\"7\" style=\"display:none;\"><div id=\"wpforms-5859-field_29-container\" class=\"wpforms-field wpforms-field-number-slider wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"number-slider\" data-field-id=\"29\" style=\"display:none;\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_29\">What is the approximate purchase price of the new property?<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-5859-field_29\" class=\"wpforms-field-medium\" name=\"wpforms[fields][29]\" value=\"0\" aria-errormessage=\"wpforms-5859-field_29-error\" aria-describedby=\"wpforms-5859-field_29-description\"\t\tmin=\"0\"\n\tmax=\"2000000\"\n\tstep=\"10000\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"Selected Value: ${value}\">\n\tSelected Value: $<b>0<\/b><\/div>\n<div id=\"wpforms-5859-field_29-description\" class=\"wpforms-field-description\">(It's OK to estimate)<\/div><\/div><div id=\"wpforms-5859-field_30-container\" class=\"wpforms-field wpforms-field-number-slider wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"number-slider\" data-field-id=\"30\" style=\"display:none;\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_30\">What is the estimated value of your property?<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-5859-field_30\" class=\"wpforms-field-medium\" name=\"wpforms[fields][30]\" value=\"0\" aria-errormessage=\"wpforms-5859-field_30-error\" aria-describedby=\"wpforms-5859-field_30-description\"\t\tmin=\"0\"\n\tmax=\"2000000\"\n\tstep=\"10000\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"Selected Value: ${value}\">\n\tSelected Value: $<b>0<\/b><\/div>\n<div id=\"wpforms-5859-field_30-description\" class=\"wpforms-field-description\">Use the slider to select the price range of homes you're interested in (it's OK to estimate)<\/div><\/div><div id=\"wpforms-5859-field_31-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"31\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"7\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"7\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-8  \" data-page=\"8\" style=\"display:none;\"><div id=\"wpforms-5859-field_33-container\" class=\"wpforms-field wpforms-field-number-slider vd-two-fields-page wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"number-slider\" data-field-id=\"33\" style=\"display:none;\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_33\">How much do you have for a down payment?<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-5859-field_33\" class=\"wpforms-field-medium\" name=\"wpforms[fields][33]\" value=\"0\" aria-errormessage=\"wpforms-5859-field_33-error\" aria-describedby=\"wpforms-5859-field_33-description\"\t\tmin=\"0\"\n\tmax=\"80\"\n\tstep=\"1\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"Selected Value: {value}%\">\n\tSelected Value: <b>0<\/b>%<\/div>\n<div id=\"wpforms-5859-field_33-description\" class=\"wpforms-field-description\">(It's OK to estimate)<\/div><\/div><div id=\"wpforms-5859-field_61-container\" class=\"wpforms-field wpforms-field-payment-single vd-two-fields-page wpforms-conditional-field wpforms-conditional-show wpforms-calculations-field\" data-field-type=\"payment-single\" data-field-id=\"61\" style=\"display:none;\"><label class=\"wpforms-field-label wpforms-label-hide\" aria-hidden=\"false\">Single Item<\/label><div class=\"wpforms-single-item-price-content\"><div class=\"wpforms-single-item-price wpforms-field-small wpforms-payment-price\">Down Payment: <span class=\"wpforms-price\">&#036;0.00<\/span><\/div><\/div><input type=\"hidden\" id=\"wpforms-5859-field_61\" class=\"wpforms-field-small wpforms-payment-price\" name=\"wpforms[fields][61]\"><\/div><div id=\"wpforms-5859-field_34-container\" class=\"wpforms-field wpforms-field-number-slider wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"number-slider\" data-field-id=\"34\" style=\"display:none;\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_34\">What is the balance of your first mortgage?<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-5859-field_34\" class=\"wpforms-field-medium\" name=\"wpforms[fields][34]\" value=\"0\" aria-errormessage=\"wpforms-5859-field_34-error\" aria-describedby=\"wpforms-5859-field_34-description\"\t\tmin=\"0\"\n\tmax=\"2000000\"\n\tstep=\"5000\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"Selected Value: ${value}\">\n\tSelected Value: $<b>0<\/b><\/div>\n<div id=\"wpforms-5859-field_34-description\" class=\"wpforms-field-description\">(It's OK to estimate)<\/div><\/div><div id=\"wpforms-5859-field_35-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"35\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"8\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"8\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-9  \" data-page=\"9\" style=\"display:none;\"><div id=\"wpforms-5859-field_36-container\" class=\"wpforms-field wpforms-field-number-slider wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"number-slider\" data-field-id=\"36\" style=\"display:none;\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_36\">What is the interest rate of your first mortgage?<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-5859-field_36\" class=\"wpforms-field-medium\" name=\"wpforms[fields][36]\" value=\"0\" aria-errormessage=\"wpforms-5859-field_36-error\" aria-describedby=\"wpforms-5859-field_36-description\"\t\tmin=\"0\"\n\tmax=\"10\"\n\tstep=\"0.125\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"Selected Value: {value}\">\n\tSelected Value: <b>0<\/b><\/div>\n<div id=\"wpforms-5859-field_36-description\" class=\"wpforms-field-description\">(It's OK to estimate)<\/div><\/div><div id=\"wpforms-5859-field_37-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"37\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"9\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"9\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-10  \" data-page=\"10\" style=\"display:none;\"><div id=\"wpforms-5859-field_38-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"radio\" data-field-id=\"38\" style=\"display:none;\"><fieldset><legend class=\"wpforms-field-label\">Do you have a second mortgage?<\/legend><ul id=\"wpforms-5859-field_38\" class=\"wpforms-icon-choices wpforms-icon-choices-default wpforms-icon-choices-large\" style=\"--wpforms-icon-choices-color: #066aab;\"><li class=\"choice-2 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_38_2\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 512 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M313.4 32.9c26 5.2 42.9 30.5 37.7 56.5l-2.3 11.4c-5.3 26.7-15.1 52.1-28.8 75.2H464c26.5 0 48 21.5 48 48c0 18.5-10.5 34.6-25.9 42.6C497 275.4 504 288.9 504 304c0 23.4-16.8 42.9-38.9 47.1c4.4 7.3 6.9 15.8 6.9 24.9c0 21.3-13.9 39.4-33.1 45.6c.7 3.3 1.1 6.8 1.1 10.4c0 26.5-21.5 48-48 48H294.5c-19 0-37.5-5.6-53.3-16.1l-38.5-25.7C176 420.4 160 390.4 160 358.3V320 272 247.1c0-29.2 13.3-56.7 36-75l7.4-5.9c26.5-21.2 44.6-51 51.2-84.2l2.3-11.4c5.2-26 30.5-42.9 56.5-37.7zM32 192H96c17.7 0 32 14.3 32 32V448c0 17.7-14.3 32-32 32H32c-17.7 0-32-14.3-32-32V224c0-17.7 14.3-32 32-32z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_38_2\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][38]\" value=\"Yes\" aria-errormessage=\"wpforms-5859-field_38_2-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Yes<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-3 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_38_3\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 512 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M313.4 479.1c26-5.2 42.9-30.5 37.7-56.5l-2.3-11.4c-5.3-26.7-15.1-52.1-28.8-75.2H464c26.5 0 48-21.5 48-48c0-18.5-10.5-34.6-25.9-42.6C497 236.6 504 223.1 504 208c0-23.4-16.8-42.9-38.9-47.1c4.4-7.3 6.9-15.8 6.9-24.9c0-21.3-13.9-39.4-33.1-45.6c.7-3.3 1.1-6.8 1.1-10.4c0-26.5-21.5-48-48-48H294.5c-19 0-37.5 5.6-53.3 16.1L202.7 73.8C176 91.6 160 121.6 160 153.7V192v48 24.9c0 29.2 13.3 56.7 36 75l7.4 5.9c26.5 21.2 44.6 51 51.2 84.2l2.3 11.4c5.2 26 30.5 42.9 56.5 37.7zM32 384H96c17.7 0 32-14.3 32-32V128c0-17.7-14.3-32-32-32H32C14.3 96 0 110.3 0 128V352c0 17.7 14.3 32 32 32z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_38_3\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][38]\" value=\"No\" aria-errormessage=\"wpforms-5859-field_38_3-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">No<\/span>\n\t\t\t<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_39-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"39\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"10\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"10\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-11  \" data-page=\"11\" style=\"display:none;\"><div id=\"wpforms-5859-field_40-container\" class=\"wpforms-field wpforms-field-number-slider wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"number-slider\" data-field-id=\"40\" style=\"display:none;\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_40\">How much additional cash do you wish to borrow?<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-5859-field_40\" class=\"wpforms-field-medium\" name=\"wpforms[fields][40]\" value=\"0\" aria-errormessage=\"wpforms-5859-field_40-error\" aria-describedby=\"wpforms-5859-field_40-description\"\t\tmin=\"0\"\n\tmax=\"2000000\"\n\tstep=\"2500\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"Selected Value: ${value}\">\n\tSelected Value: $<b>0<\/b><\/div>\n<div id=\"wpforms-5859-field_40-description\" class=\"wpforms-field-description\">(It's OK to estimate or if no cash-out leave at $0)<\/div><\/div><div id=\"wpforms-5859-field_41-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"41\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"11\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"11\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-12  \" data-page=\"12\" style=\"display:none;\"><div id=\"wpforms-5859-field_42-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"42\"><fieldset><legend class=\"wpforms-field-label\">What is your current employment status?<\/legend><ul id=\"wpforms-5859-field_42\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_42_1\" name=\"wpforms[fields][42]\" value=\"Employed\" aria-errormessage=\"wpforms-5859-field_42_1-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_42_1\">Employed<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_42_2\" name=\"wpforms[fields][42]\" value=\"Self-Employed\/1099 Independent Contractor\" aria-errormessage=\"wpforms-5859-field_42_2-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_42_2\">Self-Employed\/1099 Independent Contractor<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_42_3\" name=\"wpforms[fields][42]\" value=\"Retired\" aria-errormessage=\"wpforms-5859-field_42_3-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_42_3\">Retired<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_43-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"43\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"12\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"12\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-13  \" data-page=\"13\" style=\"display:none;\"><div id=\"wpforms-5859-field_44-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"44\"><fieldset><legend class=\"wpforms-field-label\">What is your household gross (before taxes) annual income?<\/legend><ul id=\"wpforms-5859-field_44\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_44_1\" name=\"wpforms[fields][44]\" value=\"Less than $30,000\" aria-errormessage=\"wpforms-5859-field_44_1-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_44_1\">Less than $30,000<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_44_2\" name=\"wpforms[fields][44]\" value=\"$30,000 - $50,000\" aria-errormessage=\"wpforms-5859-field_44_2-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_44_2\">$30,000 - $50,000<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_44_3\" name=\"wpforms[fields][44]\" value=\"$50,000 - $75,000\" aria-errormessage=\"wpforms-5859-field_44_3-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_44_3\">$50,000 - $75,000<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_44_5\" name=\"wpforms[fields][44]\" value=\"$75,000 - $100,000\" aria-errormessage=\"wpforms-5859-field_44_5-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_44_5\">$75,000 - $100,000<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_44_4\" name=\"wpforms[fields][44]\" value=\"Greater than $100,000\" aria-errormessage=\"wpforms-5859-field_44_4-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_44_4\">Greater than $100,000<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_45-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"45\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"13\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"13\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-14  \" data-page=\"14\" style=\"display:none;\"><div id=\"wpforms-5859-field_46-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"46\"><fieldset><legend class=\"wpforms-field-label\">What is your credit score?<\/legend><ul id=\"wpforms-5859-field_46\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_46_1\" name=\"wpforms[fields][46]\" value=\"Excellent 740+\" aria-errormessage=\"wpforms-5859-field_46_1-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_46_1\">Excellent 740+<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_46_2\" name=\"wpforms[fields][46]\" value=\"Good 700-739\" aria-errormessage=\"wpforms-5859-field_46_2-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_46_2\">Good 700-739<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_46_3\" name=\"wpforms[fields][46]\" value=\"Average 660-699\" aria-errormessage=\"wpforms-5859-field_46_3-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_46_3\">Average 660-699<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_46_4\" name=\"wpforms[fields][46]\" value=\"Fair 600-659\" aria-errormessage=\"wpforms-5859-field_46_4-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_46_4\">Fair 600-659<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_46_5\" name=\"wpforms[fields][46]\" value=\"Poor &lt; 600\" aria-errormessage=\"wpforms-5859-field_46_5-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_46_5\">Poor &lt; 600<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_47-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"47\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"14\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"14\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-15  \" data-page=\"15\" style=\"display:none;\"><div id=\"wpforms-5859-field_1-container\" class=\"wpforms-field wpforms-field-text\" data-field-type=\"text\" data-field-id=\"1\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_1\">Where is the home located? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"text\" id=\"wpforms-5859-field_1\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][1]\" aria-errormessage=\"wpforms-5859-field_1-error\" aria-describedby=\"wpforms-5859-field_1-description\" required><div id=\"wpforms-5859-field_1-description\" class=\"wpforms-field-description\">City or Zip Code<\/div><\/div><div id=\"wpforms-5859-field_13-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"13\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"15\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"15\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-16  \" data-page=\"16\" style=\"display:none;\"><div id=\"wpforms-5859-field_50-container\" class=\"wpforms-field wpforms-field-text\" data-field-type=\"text\" data-field-id=\"50\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_50\">What is your first name? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"text\" id=\"wpforms-5859-field_50\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][50]\" aria-errormessage=\"wpforms-5859-field_50-error\" required><\/div><div id=\"wpforms-5859-field_51-container\" class=\"wpforms-field wpforms-field-text\" data-field-type=\"text\" data-field-id=\"51\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_51\">What is your last name? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"text\" id=\"wpforms-5859-field_51\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][51]\" aria-errormessage=\"wpforms-5859-field_51-error\" required><\/div><div id=\"wpforms-5859-field_52-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"52\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"16\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"16\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-17 last \" data-page=\"17\" style=\"display:none;\"><div id=\"wpforms-5859-field_53-container\" class=\"wpforms-field wpforms-field-email\" data-field-type=\"email\" data-field-id=\"53\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_53\">What is your email address? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"email\" id=\"wpforms-5859-field_53\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][53]\" spellcheck=\"false\" aria-errormessage=\"wpforms-5859-field_53-error\" required><\/div><div id=\"wpforms-5859-field_54-container\" class=\"wpforms-field wpforms-field-phone\" data-field-type=\"phone\" data-field-id=\"54\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_54\">What is your phone number? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"tel\" id=\"wpforms-5859-field_54\" class=\"wpforms-field-medium wpforms-field-required wpforms-masked-input\" data-inputmask=\"&#039;mask&#039;: &#039;(999) 999-9999&#039;\" data-rule-us-phone-field=\"true\" data-inputmask-inputmode=\"tel\" name=\"wpforms[fields][54]\" aria-label=\"What is your phone number?\" aria-errormessage=\"wpforms-5859-field_54-error\" required><\/div><div id=\"wpforms-5859-field_56-container\" class=\"wpforms-field wpforms-field-checkbox\" data-field-type=\"checkbox\" data-field-id=\"56\"><fieldset><legend class=\"wpforms-field-label\">Communications Policy <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-5859-field_56\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"checkbox\" id=\"wpforms-5859-field_56_1\" name=\"wpforms[fields][56][]\" value=\"I agree to the Communications Policy.\" aria-errormessage=\"wpforms-5859-field_56_1-error\" aria-describedby=\"wpforms-5859-field_56-description\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_56_1\">I agree to the Communications Policy.<\/label><\/li><\/ul><div id=\"wpforms-5859-field_56-description\" class=\"wpforms-field-description\">By checking this box, you provide your express written consent for Maximus Mortgage to contact you at the phone number and email address you provided, including for marketing and informational purposes, by phone call, text message (SMS\/MMS), and email, and using automated dialing systems, prerecorded or artificial voice messages, and AI-generated or AI-assisted messages, even if your number is listed on a corporate, state, or federal Do Not Call list. Message and data rates may apply and message frequency may vary. Consent is not a condition of any purchase.<\/div><\/fieldset><\/div><div id=\"wpforms-5859-field_9-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"9\"><\/div><\/div><script>\n\t\t\t\t( function() {\n\t\t\t\t\tconst style = document.createElement( 'style' );\n\t\t\t\t\tstyle.appendChild( document.createTextNode( '#wpforms-5859-field_2-container { position: absolute !important; overflow: hidden !important; display: inline !important; height: 1px !important; width: 1px !important; z-index: -1000 !important; padding: 0 !important; } #wpforms-5859-field_2-container input { visibility: hidden; } #wpforms-conversational-form-page #wpforms-5859-field_2-container label { counter-increment: none; }' ) );\n\t\t\t\t\tdocument.head.appendChild( style );\n\t\t\t\t\tdocument.currentScript?.remove();\n\t\t\t\t} )();\n\t\t\t<\/script><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" style=\"display:none;\"><input type=\"hidden\" name=\"wpforms[id]\" value=\"5859\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-json\/wp\/v2\/pages\/4696\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-5859\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Submit\" aria-live=\"assertive\" value=\"wpforms-submit\">Submit<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/div><\/form><\/div>  <!-- .wpforms-container -->[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_section local_scroll_id=&#8221;Schema Markup&#8221; el_id=&#8221;Schema Markup&#8221;][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1782997193776{padding-top: 80px !important;padding-bottom: 60px !important;background-color: #FBFAF7 !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1760112295407{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 30px !important;padding-left: 15px !important;border-radius: 20px !important;}&#8221; width=&#8221;1000&#8243; font_size=&#8221;16&#8243; vonk_bg_color=&#8221;#ffffff&#8221;]<section class=\"vls-faqs\"><h3>Frequently Asked Questions<\/h3><div class=\"vls-faq-item\"><h4>What is a DSCR Home Loan?<\/h4><p>A DSCR (Debt Service Coverage Ratio) home loan is designed for real estate investors. Instead of using personal income to qualify, lenders evaluate the property\u2019s ability to generate enough rental income to cover its monthly debt obligations.<\/p>\n<\/div><div class=\"vls-faq-item\"><h4>How is DSCR calculated?<\/h4><p>DSCR is calculated by dividing the property\u2019s gross monthly rental income by its total monthly mortgage payment (including principal, interest, taxes, and insurance). A ratio of 1.0 or higher generally means the property produces enough income to cover its expenses.<\/p>\n<\/div><div class=\"vls-faq-item\"><h4>Who can benefit from a DSCR loan?<\/h4><p>DSCR loans are ideal for real estate investors who have strong rental income but may not show high personal income due to business write-offs or self-employment. It\u2019s a popular option for building or scaling a rental portfolio.<\/p>\n<\/div><div class=\"vls-faq-item\"><h4>Do DSCR loans require tax returns or income verification?<\/h4><p>No. One of the main benefits of a DSCR loan is that it typically does not require personal income documentation like W-2s or tax returns. The property\u2019s cash flow is the main qualifying factor.<\/p>\n<\/div><div class=\"vls-faq-item\"><h4>Can a DSCR loan be used for multiple properties?<\/h4><p>Yes. Many investors use DSCR loans to finance multiple rental properties, including single-family homes, condos, and small multifamily units, depending on the lender\u2019s guidelines and overall portfolio performance.<\/p>\n<\/div><\/section>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"vonk-shortcode vonk-clr\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FinancialProduct\",\"@id\":\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/#loan-dscr-home-loan\",\"name\":\"DSCR Home Loan\",\"description\":\"Mortgage program information for this page.\",\"category\":\"MortgageLoan\",\"provider\":{\"@type\":\"Organization\",\"name\":\"Maximus Mortgage Advisors a DBA of EMM Loans, LLC\",\"url\":\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/\"},\"termsOfService\":\"\/terms-of-use\/\"},{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/mega5.vonkdigital.com\/~bradmiller\/#faq-loan-program\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is a DSCR Home Loan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A DSCR (Debt Service Coverage Ratio) home loan is designed for real estate investors. 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Many investors use DSCR loans to finance multiple rental properties, including single-family homes, condos, and small multifamily units, depending on the lender\u2019s guidelines and overall portfolio performance.\"}}]}]}<\/script><\/div>[\/vc_column][\/vc_row][\/vc_section]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; column_spacing=&#8221;60&#8243; css=&#8221;.vc_custom_1782999366679{padding-top: 75px !important;background-color: #FBFAF7 !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221; font_weight=&#8221;500&#8243; el_class=&#8221;wpex-antialiased&#8221;]Learn how a DSCR home loan may offer a pathway to investment success, focusing on the potential income of the property.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1756148643535{padding-top: 100px !important;padding-bottom: 80px !important;}&#8221; local_scroll_id=&#8221;learn&#8221; el_id=&#8221;learn&#8221;][vc_column][vc_column_text css=&#8221;&#8221; width=&#8221;1000&#8243;]A DSCR home loan, is a type of mortgage specifically designed for real&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":22,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_mbp_gutenberg_autopost":false,"footnotes":""},"class_list":["post-4696","page","type-page","status-publish","hentry","entry","no-media"],"_links":{"self":[{"href":"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-json\/wp\/v2\/pages\/4696","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-json\/wp\/v2\/comments?post=4696"}],"version-history":[{"count":11,"href":"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-json\/wp\/v2\/pages\/4696\/revisions"}],"predecessor-version":[{"id":7620,"href":"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-json\/wp\/v2\/pages\/4696\/revisions\/7620"}],"up":[{"embeddable":true,"href":"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-json\/wp\/v2\/pages\/22"}],"wp:attachment":[{"href":"https:\/\/mega5.vonkdigital.com\/~bradmiller\/wp-json\/wp\/v2\/media?parent=4696"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}