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Colin Tandy Home Loans

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Lehi, UT
Colin Tandy Home Loans

NMLS 1519991 | AZ LO-20114493 | Traverse Home Loans NMLS 2560345 | AZ MB-2014481 | Equal Housing Opportunity

08/22/2026

Let's say you find:

Purchase: $200,000
Rehab: $40,000
ARV: $300,000
Rent: $2,500/mo

At first glance, that might look like a great BRRRR.

But we're not done.

You still need to account for:

→ Acquisition costs
→ Financing costs
→ Carrying costs
→ Actual rehab budget
→ Refinance proceeds
→ Post-refi payment
→ Taxes + insurance
→ Vacancy/maintenance
→ Actual cash left in the deal

That's why I always encourage investors to run the entire deal, not just the purchase price and ARV.

A $100K spread doesn't automatically mean you have a $100K opportunity.

Disclaimer:

This is not a commitment to lend or extend credit. All loans are subject to credit approval.

Traverse Home Loans | Co. NMLS #2560345 | LO NMLS #1519991 | AZ MB-2014481 | AZ LO-2014493 | Equal Housing Opportunity.

08/20/2026

Not every property you buy needs to be a flip.

Sometimes the better question is:

“What happens if I keep it?”

Take the same acquisition and run two scenarios:

→ Sell after the renovation
→ Refinance and hold as a rental

The answer can change dramatically depending on the purchase price, rehab, ARV, financing costs, rents, and refinance proceeds.

That's why I like analyzing both exits before making the decision.

The best strategy isn't always the one with the biggest check at the end.

Sometimes it's the one that leaves you with an asset and your capital back in play.

Disclaimer:

This is not a commitment to lend or extend credit. All loans are subject to credit approval.

Traverse Home Loans | Co. NMLS #2560345 | LO NMLS #1519991 | AZ MB-2014481 | AZ LO-2014493 | Equal Housing Opportunity.

08/17/2026

One of the biggest advantages of investor financing isn't necessarily that you need the financing.

It's what you can do with the cash you don't have to put into the deal.

If an investor has $300K available, putting $150K into one property might feel conservative.

But if they can structure the financing differently and keep more capital available, that same $300K might give them the ability to pursue multiple opportunities.

That's where I think financing strategy gets interesting.

The question isn't just:

“Can I qualify for this loan?”

It's:

“How do I structure this deal so I can keep moving?”

Disclaimer:

This is not a commitment to lend or extend credit. All loans are subject to credit approval.

Traverse Home Loans | Co. NMLS #2560345 | LO NMLS #1519991 | AZ MB-2014481 | AZ LO-2014493 | Equal Housing Opportunity.

08/15/2026

One thing I wish more investors looked at when comparing DSCR loans:

The rate isn't the entire deal.

Two loans can have similar rates but produce very different outcomes depending on:

• Maximum LTV
• DSCR requirements
• Prepayment penalties
• Cash-out limitations
• Reserve requirements
• How the property is valued
• Whether the lender allows the structure you actually need

If you're building a rental portfolio, the goal isn't necessarily to find the lowest rate on one loan.

It's to structure the financing so you can keep deploying capital into the next deal.

That's a much bigger conversation.

Disclaimer:

This is not a commitment to lend or extend credit. All loans are subject to credit approval.

Traverse Home Loans | Co. NMLS #2560345 | LO NMLS #1519991 | AZ MB-2014481 | AZ LO-2014493 | Equal Housing Opportunity.

08/13/2026

Before I get excited about a BRRRR, there are 5 numbers I want to know:

1. Purchase price
2. Rehab budget
3. Realistic ARV
4. Expected rent
5. Refinance proceeds

Everything else builds off those numbers.

You can have a great-looking ARV and still have a bad deal.

You can have strong cash flow and still have too much cash tied up.

And you can have a great purchase price that doesn't work once the rehab and refinance are factored in.

The deal needs to work from acquisition all the way through the exit.

That's exactly why I built my BRRRR analyzer.

Disclaimer:

This is not a commitment to lend or extend credit. All loans are subject to credit approval.

Traverse Home Loans | Co. NMLS #2560345 | LO NMLS #1519991 | AZ MB-2014481 | AZ LO-2014493 | Equal Housing Opportunity.

08/11/2026

If you’re doing BRRRRs, the deal needs to work before you buy it.

I built a BRRRR analyzer to help investors quickly answer questions like:

• How much cash am I actually putting into the deal?
• What does the project look like after rehab?
• How much could I potentially pull back out on the refinance?
• How much cash stays in the deal?
• What does the cash flow look like after the refinance?

The goal isn’t to make a deal look good.

It’s to find out if the numbers actually work.

I built it because I wanted investors to have a simple way to stress-test a deal before putting money under contract.

If you’re evaluating a BRRRR, happy to send it over.

Disclaimer:

This is not a commitment to lend or extend credit. All loans are subject to credit approval.

Traverse Home Loans | Co. NMLS #2560345 | LO NMLS #1519991 | AZ MB-2014481 | AZ LO-2014493 | Equal Housing Opportunity.

07/25/2026

California dreamin’ with my crew.

07/05/2026

Happy birthday to my beautiful wife!

A year ago we were celebrating in Arkansas, getting ready to welcome our second. Now our family is complete, and it’s been amazing to watch it all unfold.

Over the years, I’ve had a front row seat to your growth, your strength, and the way you show up for our family every single day. You make everything better.

Thank you for being the heart of our home and the best mom our kids could ask for. We are so blessed.

I love you.

07/02/2026

🚨 Fireworks are BANNED in all of Salt Lake County this year — and 40+ other Utah cities.

Utah’s wildfire season rewrote the rules for 2026.

Some cities have banned fireworks completely. Others are allowing them in designated zones only. And every state, federal, and unincorporated area is off-limits statewide.

I compiled the full list by region so you can check your city in 5 seconds 👆 Banned cities first.

Don’t see your city? Drop it in the comments and I’ll help you check. 👇

SAVE this — the same rules may apply for Pioneer Day (July 24), pending evaluation by state and local officials.
 SEND it to the friend who already bought fireworks.

⚠️ Verified July 1, 2026. Restrictions change fast during fire season — always confirm with your city before lighting anything. Fines can run $1,000+.

01/21/2026

📣BIG NEWS

We’re officially licensed to originate mortgages in Oregon.

This one means more to me than just adding another state.

I lived in Oregon from 2012 to 2014, and it’s a place that had a huge impact on my life. I fell in love with the people, the culture, and the sense of community. It was a season where I learned the importance of service, hard work, and showing up for others. A lot has changed since then, but that desire to help people hasn’t.

So it feels full circle to now be licensed in Oregon and able to serve homeowners and buyers there through Traverse Home Loans.

Our mission is simple. Help people traverse one of the biggest financial decisions of their lives with clarity, honesty, and real guidance.

Mortgages Done Differently isn’t just a tagline. It’s how we show up.

Oregon, I’m excited to be back.

🚨Bonus: If you can guess the exact locations in these photos, I’ll send a gift card to the first person who gets them right.

——————————

Colin Tandy
NMLS # 1519991 & 2560345
Traverse Home Loans
Equal Housing Opportunity

Address

Lehi, UT

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://www.traversehomeloans.com/

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