10857 La Mirada Blvd

Investor's Dream! This home has so much original charm yet needs work. It has hardwood floors and additional living space with an upstairs attic. Spacious 2 bedroom, 1 bath with fireplace on a super sized lot at 8293 sq. ft. Solar panels, fruit trees and must see to appreciate the potiential.

21851 Newland Street 232

* Located in the gated community, Huntington by the Sea * Just steps from the ocean. This beautifully remodeled beach home sits on an Extra-Large Corner Lot and offers a spacious, open floor plan with 1,944 Sq. Ft. That's only $180.00 Sq. Ft. for this very unique gated beach property. Other properties in here are up to $236 SqFt with a much smaller lot and no garage. Key Features: * 3 Bedrooms + Office/4th Bedroom ' 2 Bathrooms. (MBed-11.5x15, Bed2-10.2x11.2, Bed3-9x18, Bed4/Office-11.3x8.9). * Huge permitted 600 Sq. Ft. (20'x30') family room w/ fireplace, plumbed for a wet bar. * Separate dining room perfect for entertaining. * Bright and airy interior. * Whole house water filtration system - Modern stainless-steel appliances. * New central heating (06/2025), Re-piped plumbing (04/2024). * New Roof 11/2023, New Rain Gutters 04/2023, New Luxury Vinyl Flooring 04/2024. * Walk-in pantry and Indoor laundry room. * Outdoor storage shed with attic storage (8'W x 10'L x 11'H). * 3-car covered carport + 375 Sq. Ft. (15'x25') permitted garage with attic storage. * Wind protected courtyard with planter beds, mature landscaping w/ Grass. * Guest parking available on both sides of Home. * Pet Friendly * Resort-Style Amenities Included with Lease ($3,714/mo): * Newly upgraded clubhouse. * Sparkling pool and hot tub. * Game room, full gym, and dog park. * 24/7 gated access with private security. * Just minutes from the famous Huntington Beach Pier, Pacific City Shopping Mall, featuring an incredible variety of shops and restaurants. You're not just buying a home-you're stepping into a coastal lifestyle. * Bonus: Comes with a 1-Year Full Home Warranty!

1265 Camino Lorado

Welcome to The Fairways at Lake San Marcos — one of North County’s most cherished communities, where panoramic views, coastal breezes, and refined living create the perfect setting for a relaxed yet elegant lifestyle. Built in 1992 and thoughtfully maintained, this single-level residence sits on a gentle rise in an exclusive, guard-patrolled neighborhood. Tucked away from Rancho Santa Fe Road, the home offers peace, privacy, and a prime vantage point to enjoy its breathtaking surroundings. Inside, vaulted ceilings, expansive windows, and natural light highlight the open-concept design. The spacious living room with a cozy fireplace flows effortlessly into the dining area and kitchen—perfect for both daily comfort and entertaining. Stained-glass accents add artistic charm, while the seamless indoor-outdoor connection draws your attention to the sweeping views beyond. This desirable lot features unobstructed panoramas of lush green fairways, rolling hills, and the distant Pacific Ocean. At sunset, the sky transforms into a canvas of vibrant color—adding beauty and serenity to your everyday life. The vaulted ceiling primary bedroom offers both a walk-in closet and a sliding-door closet in the bathroom, each with built-in organizers. The en-suite bath features a soaking tub, separate shower, and new smart toilet. —creating a true private retreat. Additional highlights include an attached two-car garage with built-in cabinetry, a deep utility sink, and abundant storage. The Fairways community enhances the lifestyle with scenic walking paths, manicured green spaces, and a welcoming neighborhood feel. Residents enjoy a heated pool and spa, along with 24-hour security patrol. For a minimal fee, you may also join the Lake San Marcos amenities, including two more pools, a spa, tennis and pickleball courts, kayaking, fishing, and a vibrant lakefront clubhouse. Perfectly located, this home is minutes from fine dining, boutique shopping, sandy beaches, and endless recreational opportunities. Whether you’re searching for a full-time residence or a peaceful second home, this property combines comfort, elegance, and unforgettable views in one of San Diego’s most desirable hidden gems.

105 Homestretch Circle

New Construction home still in framing stage being built as a custom speculation home by Goodknight Design Home, multiple award winners from July/2025’s Grand Tour of Homes on a similar floor plan…Painted brick walkout ranch with stunning curb appeal/ sunset views/ geothermal with professional design/ high end touches throughout. Smooth flowing floor plan perfect for empty nesters or families alike. New community( Keene Farms) with access via golf cart path to Keene Trace Golf Club will be ready to move in by early 2026. If you always wanted to build your dream home, but didn’t want to go through the hassle/ go way over budget/ or were afraid you might not love your choices…this is your speculation custom home with all of those issues resolved resulting in a beautiful home where each decision was painstakingly made with you the homeowner in mind!

Ways to Reach Us!

Contact Us! Office: (909) 530-3114Cell: (909) 270-4647Email: [email protected]

Demistifying Rates in 2025!

Demystifying Mortgage Amortization: Why Your First Payment Feels Like All InterestDescription: See why your first mortgage payment feels like all interest. Simple charts, month-by-month tables, and smart tactics to save tens of thousands in interest.TL;DR: Your first mortgage payment feels like “mostly interest” because interest is calculated on your current (large) loan balance. Early on, that balance is at its peak so interest grabs the biggest slice. As the balance shrinks, the principal portion grows and the interest portion fades. Make extra payments, and you accelerate that shift like hitting fast-forward on a long series.The One-Minute Explainer (aka the “Secret Math”)Interest is charged on what you still owe. Month 1 = highest balance ⇒ highest interest slice.Your payment stays (mostly) fixed, but its composition changes. Early: more interest, less principal. Later: more principal, less interest.Extra payments are jet fuel. Paying a bit extra toward principal early can save years and tens of thousands in interest. Think of amortization like a pie chart that reshuffles itself every month interest gets smaller as principal gets larger. No sorcery, just math.How Amortization Actually Works:Most fixed-rate mortgages use amortization, meaning each monthly payment covers:Interest = (annual rate ÷ 12) × current balancePrincipal = payment − interestNew balance = old balance − principalBecause the current balance is biggest at the start, the interest bite is biggest then too.A Real Example (Same rate, two terms)To make it concrete, here’s a sample loan: $300,000 at 6.5% APR.30-Year (360 payments): Monthly ≈ $1,896.20; Total interest ≈ $382,633.4715-Year (180 payments): Monthly ≈ $2,613.32; Total interest ≈ $170,397.98Yes, the 15-year payment is higher but you save over $200k in interest vs. a 30-year at the same rate.First-Year Breakdown (Month-by-Month)I generated two quick-glance tables so readers can see the shift start to happen right away: 30-Year Mortgage (First 12 Months) — principal vs. interest month by month 15-Year Mortgage (First 12 Months) — same idea, faster shift to principalYou’ll see both tables here in your workspace. Download the CSVs for your site or newsletter:30-yr (first year): Download15-yr (first year): DownloadFull 30-yr schedule: DownloadFull 15-yr schedule: DownloadSkim-friendly takeaway: Shorter term = faster principal ramp-up.“What If I Pay a Little Extra Each Month?”Let’s add $100 extra toward principal on the 30-year example. Results:New monthly payment: $1,996.20 (i.e., $1,896.20 + $100)Months saved: 48 (yes, 4 years off your mortgage)Interest saved: $60,994.79That’s a solid return for a pizza-night budget without needing a refinance.Download the 30-yr + $100/mo CSV: DownloadWhy the First Payment “Feels Like” All InterestStarting balance is largest. Interest = rate × balance. Big balance → big interest.Fixed payment masks the swap. You don’t see a big payment jump—just a quiet shift from interest to principal.Compounding works in reverse on debt. The sooner the balance drops, the sooner interest charges drop too.If the first statement looks interest-heavy, don’t panic your loan isn’t trolling you. It’s just following the playbook. Smart (Low-Stress) Ways to Save InterestRound up your payment (e.g., add $50–$200 toward principal).Biweekly payments (26 half-payments ≈ one extra payment/year).Make one extra payment per year (tax refund or bonus works great).Recast after a lump-sum payment (keeps rate, lowers required monthly).Refinance if rates drop or you can handle a shorter term.Rule of thumb: Extra principal early has outsized impact because it reduces the balance when interest is still chomping the biggest slice.FAQs1. Why is my first payment mostly interest?Interest is computed on your current balance. Month 1 has the highest balance, so interest dominates. As you pay down principal, the interest slice shrinks.2. Does the composition change each month even if my payment is fixed?Yes. The fixed payment is split differently every month less interest, more principal as your balance falls.3. Is a 15-year always better than a 30-year?Financially, a 15-year usually means far less total interest. But it requires a higher monthly payment. Choose what fits your cash flow and risk tolerance.4. Do biweekly payments really help?Typically yes 26 half-payments ≈ 13 full payments per year. That “extra” payment per year cuts time and interest.5. Extra payment: toward principal or escrow?If your goal is to shorten the loan and reduce interest, direct extra money specifically to principal (and confirm your servicer applies it that way).Key Takeaways Early payments feel interest-heavy because the balance is largest early. The interest/principal split naturally flips over time. Small, steady extra principal can save years and tens of thousands. Shorter terms supercharge principal paydown—if the payment fits your budget.Gentle NoteThis article is educational and not financial advice. Always confirm specifics with your lender/servicer and consider speaking with a qualified advisor.

How to Partner with BFT

What You’ll Learn from These Resources (For Realtors & Aspiring Loan Officers)Whether you're a realtor looking to scale or someone curious about becoming a licensed loan officer, these resources provide a clear, actionable roadmap to help you grow your business and income potential. Here’s what you’ll discover:These resources are packed with valuable info to help you build partnerships, boost income, and streamline your process—whether you’re ready to become a loan officer or want to grow your referral-based real estate business.

DSCR Loans with BFT

What is a DSCR Loan?DSCR stands for Debt Service Coverage Ratio.A DSCR loan uses the income generated by a property (like rent) to determine if you qualify for a loan.Unlike traditional mortgage loans, your personal income or tax returns aren’t used to determine eligibility.This type of loan is specifically for real estate investors, not people looking to buy a home to live in.For example, if you’re self-employed and need a home loan, this wouldn’t be the right fit, but other loan options exist for you.How Does It Work?Lenders calculate the Debt Service Coverage Ratio (DSCR):They compare the property’s annual net income (after expenses) to the total yearly mortgage payments.Formula: DSCR=Property Net IncomeMortgage Payments\text{DSCR} = \frac{\text{Property Net Income}}{\text{Mortgage Payments}}DSCR=Mortgage PaymentsProperty Net Income​Example:If the property earns $15,000/year and mortgage payments are $12,000/year, DSCR = 15,00012,000=1.25\frac{15,000}{12,000} = 1.2512,00015,000​=1.25.This is considered good because it shows you can cover your mortgage and still have some income left.Key Benchmark:Most lenders want a DSCR of 1.25 or higher. This means the property generates 25% more income than the debt costs.Pros of DSCR Loans:No personal income verification: Ideal for investors whose tax returns don’t fully reflect their income (e.g., self-employed individuals or those with deductions).No limit on the number of loans: You can have multiple DSCR loans at once, helping you expand your property investments faster.Tailored to real estate investors: If rental properties are your primary income, this loan works better for your unique financial situation.Cons of DSCR Loans:Higher costs:You might need a bigger down payment (e.g., 20-25% of the property price).Interest rates are usually higher than traditional home loans.More money upfront: Because of the larger down payment and interest, these loans can require more initial capital.Only for income-generating properties: This type of loan doesn’t work for personal home purchases.Why Choose a DSCR Loan?If your rental income is your main source of earnings, DSCR loans let you qualify for financing even when tax filings don’t show high income.They’re flexible for building large property portfolios, provided you can maintain strong property income and DSCR for each loan.