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David Beattie

The Expert Landlord

Manage Your Residential Property like a Pro

Using DSCR Loans to Scale Faster reveals how real estate investors break free from traditional lending limits and build large, cash-flowing rental portfolios using cash-flow-based financing instead of personal income.

If you have ever been told you "make too much on paper," "don't show enough income," or "already have too many mortgages," this book shows you the system professional investors use to keep buying anyway.

Written by licensed mortgage broker Joseph G. Correa of Finibi Mortgage, this book walks you step-by-step through how DSCR loans turn rental income into unlimited borrowing power - allowing you to scale faster, safer, and smarter than conventional financing ever allows.

You will learn how to turn every profitable property into a self-funding growth engine that keeps buying more properties without destroying your credit, your taxes, or your lifestyle.
Inside this book you will discover:
¿ How DSCR loans replace W-2s, tax returns, and DTI with rental cash flow
 ¿ Why most investors hit a financing wall - and how DSCR removes it
 ¿ How to structure properties inside LLCs for unlimited borrowing power
 ¿ How to refinance DSCR loans to recycle capital without selling
 ¿ How professional investors stack DSCR lenders to avoid growth limits
 ¿ How to manage leverage so your portfolio survives recessions
 ¿ How to convert DSCR portfolios into long-term passive income
 ¿ How to rebalance and extract equity without triggering taxes
 ¿ How to build a DSCR-powered real estate empire that compounds forever
Whether you are buying your first rental or scaling toward 50+ properties, this book shows you how to use DSCR financing as a strategic growth engine instead of a simple mortgage. 
Who this book is for:
 ¿ Real estate investors who are maxed out on conventional loans
 ¿ Self-employed borrowers and business owners
 ¿ Short-term rental and Airbnb investors
 ¿ Portfolio landlords and multifamily investors
 ¿ Anyone who wants to build wealth using rental cash flow instead of W-2 income
If you are ready to stop being limited by banks and start letting your properties qualify for themselves, Using DSCR Loans to Scale Faster gives you the blueprint.

How Investors Buy More Properties Without Hitting DTI Limits

Using DSCR Loans to Scale Faster

An unconventional, hands-on guide to turning ideas into products that matter—and that people love—from the legendary Silicon Valley pioneer, founder of Zynga, and creator of Stanford Graduate School of Business’s product management course.Mark Pincus has been at the forefront of each iteration of the internet. He built the original app company ahead of the mobile app economy&nbsp;and sold virtual goods to the masses long before in-app purchase generated $85 billion on smartphones. As the founder of Zynga, he brought us FarmVille, CityVille, and Words with Friends, launching eight hit games and reaching more than a billion users in four years.&nbsp;&nbsp;&nbsp;&nbsp;Pincus has turned hit-making into a repeatable system, birthing one of his favorite guiding principles that “all new fails”. Life at the Speed of Play is his framework for moving faster and massively increasing your odds of success. His insights and advice are essential in the new world of AI, where&nbsp;speed of testing and learning defines winners.Bursting with wit, wisdom, and a core belief in tech’s endless capacity, each chapter of Life at the Speed of Play contains actionable takeaways based on Pincus’s unorthodox “Mark-isms” including “hire people with broken resumes,” “protect investors from themselves,” and, paradoxically, to “f*** scale” in favor of quality over quantity.What They Don’t Teach You at Harvard Business School for the twenty-first century, here is the essential “bible” for entrepreneurs, product managers, innovators, and anyone who has an idea—digital or analog—that they dream of turning into a reality.

An unconventional, hands-on guide to turning ideas into products that matter—and that people love—from the legendary Silicon Valley pioneer, founder of Zynga, and creator of Stanford Graduate School of Business’s product management course.Mark Pincus has been at the forefront of each iteration of the internet. He built the original app company ahead of the mobile app economy&nbsp;and sold virtual goods to the masses long before in-app purchase generated $85 billion on smartphones. As the founder of Zynga, he brought us FarmVille, CityVille, and Words with Friends, launching eight hit games and reaching more than a billion users in four years.&nbsp;&nbsp;&nbsp;&nbsp;Pincus has turned hit-making into a repeatable system, birthing one of his favorite guiding principles that “all new fails”. Life at the Speed of Play is his framework for moving faster and massively increasing your odds of success. His insights and advice are essential in the new world of AI, where&nbsp;speed of testing and learning defines winners.Bursting with wit, wisdom, and a core belief in tech’s endless capacity, each chapter of Life at the Speed of Play contains actionable takeaways based on Pincus’s unorthodox “Mark-isms” including “hire people with broken resumes,” “protect investors from themselves,” and, paradoxically, to “f*** scale” in favor of quality over quantity.What They Don’t Teach You at Harvard Business School for the twenty-first century, here is the essential “bible” for entrepreneurs, product managers, innovators, and anyone who has an idea—digital or analog—that they dream of turning into a reality.

Launch Products People Love!

Life at the Speed of Play

As inequality, inflation, and overwhelming corporate power threaten democracy, a rising-star economist asks what it would mean to create an anti-fascist economics that guarantees dignity for all. On the night of President Trump's second presidential victory, economist Isabella Weber tweeted: "Can we now finally have a serious conversation about an anti-fascist economics?" In her view, Democrats had missed the seriousness of the affordability crisis in the wake of pandemic-era inflation. By refusing to step in to protect their constituencies against corporate profiteering and price shocks in essentials, they left room amidst the global crisis for the resurgence of the politics of resentment that Trump and the right reveled in. Her question, though, was a bold one with implications that reached far beyond one election. In a neoliberal world, we tell people at the same time: Democracy is the highest form of political organization. And: When it comes to the economy, to the material foundation of our life, the best the representatives of the people can do is to subordinate their constituencies to the corporate pursuit of profits. This basic contradiction between the rule of the people and the rule of the market makes neoliberal democracy vulnerable to the threat of fascism, she argues. Economists have too often acted as prophets of market subordination and ended up waxing the slippery slope to fascism. Isabella Weber knows that if we are serious about saving democracy and preventing the further rise of fascists, we need an economics that serves democracy and centers people's needs and dignity rather than seeing their fulfillment as a welcome side effect in the pursuit of other goals. In Anti-Fascist Economics, Weber proposes just such a way out. She envisions an economics that strives to make life on our planet livable for all, that confronts rather than conceals corporate power, and that charts the way towards international cooperation rather than getting stuck in the dichotomy of free trade and trade wars. To halt the further rise of fascism, we need a tangible alternative to the dystopian status quo, she insists, one that takes affordability seriously as a foundation of democracy. In this paradigm-shifting book, Weber recalls a history of mid-twentieth-century economists for whom "never again" was the North star and reinvents their thinking for our day.

Anti-Fascist Economics

This book is written for academics, students, policymakers and practitioners interested in the legal recognition of LGBT+ parenting. It provides readers with a new conceptual framework for the best interests principle and demonstrates how to apply this framework in the areas of parental responsibility, adoption, donor-conception and surrogacy.

Same-Sex Parenting and the Best Interests Principle

'You need this book.' Steven Bartlett, author of The Diary of a CEO New York Times bestseller The world is changing. It's time for a new financial playbook. In this must-have guide to optimizing your life for wealth, success and happiness, you'll learn: ¿ how to find and follow your talent ¿ what small steps you can take now that pay big returns later ¿ how to develop better financial habits Bursting with practical, game-changing advice from one of the world's most popular business school professors, The Algebra of Wealth is the practical guidebook you need to win today's wealth game. Today's workers have more opportunities and mobility than any previous generation. They also face unprecedented challenges, including inflation, labour and housing shortages, and climate volatility. Even the notion of 'retirement' is undergoing a profound rethink, as our lifespans extend and our relationship with work evolves. In this environment, the tried-and-true financial advice our parents followed no longer applies. In The Algebra of Wealth, Galloway lays bare the rules of financial success in today's economy. In characteristic unvarnished, no-BS style, he explains you what you need to know in order to improve your chances of achieving economic security no matter what.

A Simple Formula for Success

The Algebra of Wealth

<div>As societies struggle to respond to the revival of private renting, this book offers the first comprehensive and critical account of the inequality at the heart of contemporary housing systems.</div> <div>&nbsp;</div> <div>Bringing together cutting-edge research and case studies from a host of countries - from the USA to Australia, from Berlin to Barcelona - Michael Byrne examines inequality, financialization, the rise of 'generation landlord', and evictions. He analyses the everyday power dynamics between landlords and tenants and the social and economic structures that mean homeownership is concentrated in fewer and fewer hands. Moving beyond the kind of thinking that treats landlordism as natural and inevitable, Byrne's political economy framework demonstrates how declining homeownership and its consequences for inequality and housing justice are major political challenges for contemporary societies. At the same time, a new generation of tenant activism can point the way to fairer housing systems.</div> <div>&nbsp;</div> <div>A groundbreaking study,&nbsp;Beyond Generation Rent&nbsp;is crucial reading for housing researchers, policy makers, activists, and anyone who cares about decent housing for allAs societies struggle to respond to the revival of private renting, this book offers the first comprehensive and critical account of the inequality at the heart of contemporary housing systems.</div> <div>&nbsp;</div> <div>Bringing together cutting-edge research and case studies from a host of countries - from the USA to Australia, from Berlin to Barcelona - Michael Byrne examines inequality, financialization, the rise of 'generation landlord', and evictions. He analyses the everyday power dynamics between landlords and tenants and the social and economic structures that mean homeownership is concentrated in fewer and fewer hands. Moving beyond the kind of thinking that treats landlordism as natural and inevitable, Byrne's political economy framework demonstrates how declining homeownership and its consequences for inequality and housing justice are major political challenges for contemporary societies. At the same time, a new generation of tenant activism can point the way to fairer housing systems.</div> <div>&nbsp;</div> <div>A groundbreaking study,&nbsp;Beyond Generation Rent&nbsp;is crucial reading for housing researchers, policy makers, activists, and anyone who cares about decent housing for all</div> <div> <div>As societies struggle to respond to the revival of private renting, this book offers the first comprehensive and critical account of the inequality at the heart of contemporary housing systems.</div> <div>&nbsp;</div> <div>Bringing together cutting-edge research and case studies from a host of countries - from the USA to Australia, from Berlin to Barcelona - Michael Byrne examines inequality, financialization, the rise of 'generation landlord', and evictions. He analyses the everyday power dynamics between landlords and tenants and the social and economic structures that mean homeownership is concentrated in fewer and fewer hands. Moving beyond the kind of thinking that treats landlordism as natural and inevitable, Byrne's political economy framework demonstrates how declining homeownership and its consequences for inequality and housing justice are major political challenges for contemporary societies. At the same time, a new generation of tenant activism can point the way to fairer housing systems.</div> <div>&nbsp;</div> <div>A groundbreaking study,&nbsp;Beyond Generation Rent&nbsp;is crucial reading for housing researchers, policy makers, activists, and anyone who cares about decent housing for all.</div>
</div>

Political Economy, Inequality, and the Private Rental Sector

Beyond Generation Rent

What if your home didn't just cost you money - what if it helped pay for itself?
Buying Multi-Unit Homes with FHA reveals one of the most powerful and overlooked wealth-building strategies available to everyday buyers: using an FHA loan to purchase a 2-4 unit property, live in one unit, and rent the rest. This book shows you exactly how to turn housing into a financial advantage - even if you don't have perfect credit, a large down payment, or real estate experience.

Written for first-time buyers, working professionals, self-employed borrowers, and aspiring investors, this guide breaks down the FHA multifamily strategy step by step in plain language, real math, and real-world scenarios. You'll learn how rental income can help you qualify, how to choose the right property, how to manage tenants while living on site, and how to turn one FHA purchase into long-term financial stability.

Whether your goal is affordable homeownership, passive income, or a foundation for future investing, this book shows you how FHA multifamily loans can work for you when used correctly and responsibly.
What You'll Learn
 ¿ How FHA loans allow you to buy 2-4 unit properties with low down payments
 ¿ How rental income is calculated and used to help you qualify
 ¿ How to choose a multi-unit property where the numbers actually work
 ¿ How owner-occupancy rules create advantages instead of limitations
 ¿ How to manage tenants while living on site without burnout
 ¿ How to understand real expenses, cash flow, and what you truly keep
 ¿ How appraisals and inspections protect you from costly surprises
 ¿ How appreciation, rent growth, and refinancing build long-term wealth
 ¿ When to move out, hold, refinance, sell, or scale into more properties

This is not theory or hype. It's a practical, proven approach used by thousands of homeowners to reduce housing costs, build equity faster, and create options for the future - all while living in their own property.

How to Purchase 2-4 Unit Properties, Live in One, and Rent the Rest

Buying Multi-Unit Homes with FHA

How to Qualify for a DSCR Loan: The Step-by-Step Investor Approval Playbook is the definitive guide for real estate investors who want to access rental property financing without income limits, tax returns, or debt-to-income restrictions. Written by licensed mortgage broker Joseph G. Correa of Finibi Mortgage, this book reveals how professional lenders actually evaluate investment properties and how you can structure deals for approval before you ever make an offer.

Inside this book, you will discover:How DSCR lenders calculate rental income and what numbers they really use
How to control approval using down payments, leverage, and loan structure
How credit, liquidity, and reserves impact investor risk tiers
How property type, market strength, and vacancy affect DSCR
How to stress-test deals so they survive rate hikes and market shifts
How to avoid denials, delays, and last-minute deal killers
How to build a repeatable system that allows you to scale without hitting income limits


Whether you are buying your first rental or building a multi-property portfolio, this book gives you the exact framework used by professional DSCR lenders to decide who gets approved and who does not.

If you are ready to stop guessing and start building with confidence, this book is your blueprint. Use it to analyze every deal, structure every offer, and grow your rental portfolio with precision and control.

The Step-by-Step Investor Approval Playbook

How to Qualify for a DSCR Loan

This book charts a path for developing a uniquely South African affirmative action regime. It proposes a transformative approach to affirmative action, one capable of untangling and dismantling the tensions that arise between the South African Constitution’s promise of equality and the reality of being the world’s most unequal society. 

Against the background of South Africa's commitment to transformative constitutionalism and substantive equality, the book demonstrates how affirmative action measures can be designed and implemented in a way that tackles deeply ingrained inequality. 

By examining the affirmative action jurisprudence of the South African Constitutional Court, as well as the courts in Kenya, the United States, Canada, and India, the book outlines how the courts, the legislature and executive policymakers in South Africa should address fundamental questions that arise in the design and implementation of affirmative action. These questions include what affirmative measures should aim to achieve (for what purpose?), how to determine beneficiary groups (for whom?), with a focus on quotas, the permissible forms that affirmative action could take (through what means?), and whether there is a set end-date for affirmative action (for how long?). By illustrating the possibility of a transformative approach to affirmative action, this book responds to the growing critique of affirmative action from both the left and right in South Africa and adds to the global conversation on the utility of affirmative action in the fight to eradicate inequality.

Transformative Tensions

Affirmative Action Jurisprudence in Post-Apartheid South Africa

NEW YORK TIMES, WALL STREET JOURNAL, AND USA TODAY BESTSELLER • A ten-step plan for finding peace, safety, and harmony with your money—no matter how big or small your goals and no matter how rocky the market might be—by the inspiring and savvy “Budgetnista.” “No matter where you stand in your money journey, Get Good with Money has a lesson or two for you!”—Erin Lowry, bestselling author of the&nbsp;Broke Millennial series Tiffany Aliche was a successful pre-school teacher with a healthy nest egg when a recession and advice from a shady advisor put her out of a job and into a huge financial hole. As she began to chart the path to her own financial rescue, the outline of her ten-step formula for attaining both financial security and peace of mind began to take shape. These principles have now helped more than one million women worldwide&nbsp;answer their most pressing financial questions: How to pay off debt? How to save money? How to build wealth? Revealing this practical ten-step process for the first time in its entirety, Get Good with Money introduces the powerful concept of building wealth through financial wholeness: a realistic, achievable, and energizing alternative to get-rich-quick and over-complicated money management systems. With helpful checklists, worksheets, a tool kit of resources, and advanced advice from experts who Tiffany herself relies on (her “Budgetnista Boosters”), Get Good with Money gets crystal clear on the short-term actions that lead to long-term goals, including: • A simple technique to determine your baseline or “noodle budget,” examine and systemize your expenses, and lay out a plan that allows you to say yes to your dreams. • An assessment tool that helps you understand whether you have a “don't make enough” problem or a “spend too much” issue—as well as ways to fix both. • Best practices for saving for a rainy day (aka job loss), a big-ticket item (a house, a trip, a car), and money that can be invested for your future. • Detailed advice and action steps for taking charge of your credit score, maximizing bill-paying automation, savings and investing, and calculating your life, disability, and property insurance needs. • Ways to protect your beneficiaries' future, and ensure that your financial wishes will stand the test of time. An invaluable guide to cultivating good financial habits and making your money work for you, Get Good with Money will help you build a solid foundation for your life (and legacy) that’s rich in every way.

NEW YORK TIMES, WALL STREET JOURNAL, AND USA TODAY BESTSELLER • A ten-step plan for finding peace, safety, and harmony with your money—no matter how big or small your goals and no matter how rocky the market might be—by the inspiring and savvy “Budgetnista.” “No matter where you stand in your money journey, Get Good with Money has a lesson or two for you!”—Erin Lowry, bestselling author of the&nbsp;Broke Millennial series Tiffany Aliche was a successful pre-school teacher with a healthy nest egg when a recession and advice from a shady advisor put her out of a job and into a huge financial hole. As she began to chart the path to her own financial rescue, the outline of her ten-step formula for attaining both financial security and peace of mind began to take shape. These principles have now helped more than one million women worldwide&nbsp;answer their most pressing financial questions: How to pay off debt? How to save money? How to build wealth? Revealing this practical ten-step process for the first time in its entirety, Get Good with Money introduces the powerful concept of building wealth through financial wholeness: a realistic, achievable, and energizing alternative to get-rich-quick and over-complicated money management systems. With helpful checklists, worksheets, a tool kit of resources, and advanced advice from experts who Tiffany herself relies on (her “Budgetnista Boosters”), Get Good with Money gets crystal clear on the short-term actions that lead to long-term goals, including: • A simple technique to determine your baseline or “noodle budget,” examine and systemize your expenses, and lay out a plan that allows you to say yes to your dreams. • An assessment tool that helps you understand whether you have a “don't make enough” problem or a “spend too much” issue—as well as ways to fix both. • Best practices for saving for a rainy day (aka job loss), a big-ticket item (a house, a trip, a car), and money that can be invested for your future. • Detailed advice and action steps for taking charge of your credit score, maximizing bill-paying automation, savings and investing, and calculating your life, disability, and property insurance needs. • Ways to protect your beneficiaries' future, and ensure that your financial wishes will stand the test of time. An invaluable guide to cultivating good financial habits and making your money work for you, Get Good with Money will help you build a solid foundation for your life (and legacy) that’s rich in every way.

10 Simple Steps to Becoming Financially Whole

Get Good with Money

From veteran Financial Times journalist, an epic history of the debt that built the modern world. Long considered the "boring" corner of finance, bonds are anything but. They have funded everything from the Crusades to climate tech, Netflix series to AI data centers. They are now bigger than the stock market and rival even the global banking system in influence. They are also misunderstood—treated as mere debt, when in fact their form, function, and impact are radically different. In A Fabulous Debt, Robin Wigglesworth—The Financial Times’ Global Finance Correspondent, and author of the acclaimed Trillions—offers a sweeping, affectionate history of the bond market. From the dyke-builders of 17th-century Holland to the trillion-dollar portfolios of BlackRock, this is a people’s history of finance: rich in drama, full of colorful characters, and bursting with insight.&nbsp; With clarity and wit, Wigglesworth takes readers from medieval Venice to modern Wall Street, tracing how bonds evolved from obscure financial instruments into the invisible architecture of the modern world. Along the way, we meet warlords and water boards, merchant princes and mathematicians, financiers and fraudsters—all of whom helped build the most powerful machine in global finance. This isn’t just a book about the past. It's a guide to the present and future of the financial system—and a love letter to the engine that keeps it running.

From veteran Financial Times journalist, an epic history of the debt that built the modern world. Long considered the "boring" corner of finance, bonds are anything but. They have funded everything from the Crusades to climate tech, Netflix series to AI data centers. They are now bigger than the stock market and rival even the global banking system in influence. They are also misunderstood—treated as mere debt, when in fact their form, function, and impact are radically different. In A Fabulous Debt, Robin Wigglesworth—The Financial Times’ Global Finance Correspondent, and author of the acclaimed Trillions—offers a sweeping, affectionate history of the bond market. From the dyke-builders of 17th-century Holland to the trillion-dollar portfolios of BlackRock, this is a people’s history of finance: rich in drama, full of colorful characters, and bursting with insight.&nbsp; With clarity and wit, Wigglesworth takes readers from medieval Venice to modern Wall Street, tracing how bonds evolved from obscure financial instruments into the invisible architecture of the modern world. Along the way, we meet warlords and water boards, merchant princes and mathematicians, financiers and fraudsters—all of whom helped build the most powerful machine in global finance. This isn’t just a book about the past. It's a guide to the present and future of the financial system—and a love letter to the engine that keeps it running.

The Epic Story of How Bonds Built the Modern World

A Fabulous Debt

Routledge Advances in Climate Change Research

Just transition offers a way for fossil fuel-dependant economies to meet climate goals, while ensuring that society as a whole - communities, workers, young people and marginalised groups - remain in the forefront of the conversation.This book explores the political economy of just transition in East, West and Southern Africa in order to shine a light on contested epistemologies, policy configurations and case studies of practice at various scales. In the African context, just transition is particularly significant due to the continent's rich natural resources, including oil, gas, and minerals, which have historically been exploited without adequate consideration for environmental sustainability and local communities' socio-economic rights. This book analyses how just transition, in practice, should aim to rectify these historical injustices by promoting inclusive decision-making processes that involve the affected groups, workers and communities. Bringing together leading scholars in the field, who apply a climate justice analytical lens and just transition concepts, the chapters question the extent to which pathways towards net zero carbon emissions by 2050 are achievable in Africa and whether this can be attained without undermining economic growth, jobs, livelihoods and lives.Just Transition and Climate Justice in Sub-Saharan Africa will be an important read for policymakers as well as for researchers in the fields of climate justice, environmental law, African and environmental studies.

Epistemologies, Policy and Practice

Just Transition and Climate Justice in Sub-Saharan Africa

The Expert Landlord

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