Insights

Welcome to the buy side.

Market dynamics, due diligence frameworks, and the details that inform better decisions.

Should I Refinance? How to Calculate Your Break-Even Point

30-year refi rates hit ~6.16% in February 2026 - near a 3-year low. Use the break-even formula to find out if refinancing makes sense for your loan balance and rate, with verified numbers.

HELOC vs. Home Equity Loan: Which Is Right for You?

HELOC or home equity loan? Current rates are 7.23% vs 7.44%. We break down flexibility, risk, total interest costs, and which product fits which situation with verified 2026 numbers.

Using a HELOC for Home Improvements: What's Worth It and What's Not

Is a HELOC worth it for a kitchen remodel, ADU, or outdoor living? We break down real ROI data, interest costs at 7.23%, and which projects actually build home value.

How Much Can You Borrow With a HELOC — and What Will It Cost Each Month?

How much can you borrow with a HELOC? We break down the 80% CLTV rule, current 7.23% rates, and exactly what a $100K-$400K draw costs per month in 2026.