Bill Rapp - Commercial & Residential Mortgage BrokerWhy Cap Rate Doesn’t Tell the Whole Story If you're investing in commercial real estate in Houston, Katy, or anywhere in Texas, you've heard it: “What’s the cap rate?”
Bill Rapp - Commercial & Residential Mortgage BrokerBank Loans vs. Non-QM vs. DSCR vs. SBA — Which One Fits Your Situation? Most borrowers don’t have a loan problem. They have a fit problem. As a mortgage broker in Katy, Houston, and across Texas, I don’t push products. I structure solutions. The key is matching the right borrower profile with the right underwriting model.
Bill Rapp - Commercial & Residential Mortgage BrokerWhy Pre-Approvals Fall Apart A mortgage pre-approval is not a guarantee. It’s a conditional financial snapshot — and if that snapshot changes, the loan can fall apart fast. As a mortgage broker at Medallion Funds, I’ve seen strong buyers lose homes days before closing because something changed between pre-approval and underwriting.
Bill Rapp - Commercial & Residential Mortgage BrokerWhy Retail Isn’t Dead For years, headlines claimed retail was finished. E-commerce was taking over. Shopping centers would sit vacant. Brick-and-mortar was obsolete. That narrative was incomplete — and in Texas, it’s proving wrong.