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David Beattie

The Expert Landlord

Manage Your Residential Property like a Pro

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

Palgrave Insights into Apocalypse Economics

This book reassesses classic Marxist theories of finance capital and uneven development in the context of the present intensified process of financialization and the accentuation of combined and accelerating uneven development. In particular, the work of Hilferding and Luxemburg is discussed and re-framed in light of both the contributions of Marx and more recent engagements by David Harvey and Neil Smith. The book explores the case of South Africa in particular in light of the combination of a rapidly financializing yet crisis-ridden South African political economy on the one hand and intensifying social inequality and political conflict on the other.&nbsp;It explores a series of strategies and possibilities that might open up trajectories for change and transformation with particular attention paid to the promises and constraints of the de-growth movement and intersectional class struggle, which will appeal to political economists, researchers, and students alongside those studying South Africa specifically. Patrick Bond is a political economist and professor at the University of Johannesburg, South Africa. He spent more than two decades teaching at the Wits University School of Governance in Johannesburg and the University of KwaZulu-Natal Centre for Civil Society in Durban. During the late 1980s he pursued doctoral studies in economic geography at Johns Hopkins University, while learning politics in the anti-apartheid, labour, student and community movements. In 1994 and 1996, he worked in the Reconstruction and Development Ministry in President Nelson Mandela’s office, drafting the democratic government’s first White Paper and a dozen other major policy documents. He appears more than 100 times a year on South African and international broadcast media, and usually gives more than 50 guest lectures annually.

Financial Volatility, Deep Capitalist Crisis and Super-Exploitation in South Africa and the World

Extreme Uneven Development

A new paradigm based on quantum probability that can model stock markets and price options—and also upends classical quantitative finance. In The Quantum Stock Market, David Orrell combines theory and new empirical findings to argue for a new approach to finance based on quantum probability. The main finding, a property called q-variance, may be unique in finance in that it was discovered as the result of a prediction, affects financial markets in general, has no tunable parameter, and has important consequences for a range of topics including the pricing of financial options. The property, which somehow eluded detection for over a century, has been verified by experts in the field. And the fact that it is incompatible with classical finance—which is perhaps why it went undetected—suggests that the field must be reinvented. The aim of this book is therefore nothing less than to initiate a paradigm shift in finance. As with any new work that challenges existing methods, the ideas have already received considerable pushback from a range of sources, including leaders in the field of finance, along with physicists skeptical of applying quantum probability outside its traditional domain. Written in an interdisciplinary style that mixes mathematical equations, data analysis, and informed comment on the field of finance, it should be read by anyone—including students, academics, and practitioners—who wants to be on the right side of a paradigm shift.

And the Road Not Taken in Finance

The Quantum Stock Market

Verso World History

In Women, Resistance and Revolution, Sheila Rowbotham traces four centuries of feminist struggle and revolutionary politics. She reveals how women have confronted the dual challenges of an unjust state system and patriarchal social prejudice. First published in 1972, Women, Resistance and Revolution is a major statement of second-wave feminism on the need for revolution within the revolution. It is also a rich and expansive history of radical consciousness. Rowbotham charts the acceleration of feminist activity and theory after the French Revolution, despite the ambiguities of ‘liberty, equality, fraternity’ for women. She examines pivotal works such as Mary Wollstonecraft’s Vindication of the Rights of Woman, Flora Tristan’s Workers’ Union and Engels’s Origin of the Family, showing how women’s liberation became a live and often explosive issue in emerging socialist movements. Her narrative spans feminist currents in revolutionary Russia and China, exploring fascinating creative experiments during early Bolshevik rule, and extends to women’s roles in anti-colonial struggles in Algeria, Cuba and Vietnam. This classic work remains as urgent, vivid and inspiring as ever.

A History of Women and Revolution in the Modern World

Women, Resistance and Revolution

Housing is more than bricks and mortar. Feeling at Home grapples with the practical and emotional questions of housing – domestic labour, privacy, security, ownership, and health. Is it possible to imagine success without home ownership? Alva Gotby shows that solving the housing crisis is about much more than housing stock. It means revolutionising our everyday lives and labours.

Transforming the Politics of Housing

Feeling at Home

Fifty Places to Go

Recommendations from wine experts, industry insiders, and seasoned local guides cover the timeless wine regions of Italy, France, Spain, California, Michigan, and New Zealand, along with more exotic and unusual locales, such as the winery in an old nuclear plant in Finland or the vineyards in the Great Rift Valley in Ethiopia.

Travel Experts Share the World's Greatest Wine Destinations

Fifty Places to Drink Wine Before You Die

Why socially responsible investment promises to make investors richer and the world better—but fails at both. Wall Street thrives by telling investors that clever financial strategies can reverse the trade-off between corporate profits and social progress. But the link between greater corporate social responsibility and improved financial performance is an illusion. Profit vs. Progress dissects the massive $30 trillion “socially responsible” or “sustainable” finance industry—and finds the emperor has no clothes. At best, sustainable investing typically delivers average rates of financial and social returns. But it makes social and environmental crises harder to overcome, by using financial gimmickry to distract our attention from real solutions. Author Brad Swanson argues that corporations in competitive markets act without moral values, and ethical investment can’t prod them to take greater social responsibility. The only way to change the outcome of the game is to change the rules. The solutions will have to come from legislatures, not corporate boardrooms. Swanson calls for public policies to make businesses better serve all of society, not just their shareholders—without blunting their edge. His recommendations include breaking up the cartel of large asset managers, rebuilding the influence of organized labor, curbing the rapacious behavior of the private equity industry, and eliminating the conflict of interest that pits corporate directors against the greater good of the community. The author shows that in previous eras of social crisis caused by corporate excess, meaningful reforms emerged through the political process. Today as well, the path forward is clear—if we have the will to follow it.

Why socially responsible investment promises to make investors richer and the world better but fails at both.

Why Socially Responsible Investment Doesn't Work and How to Fix It

Profit vs. Progress

Pelican Books

'One of the clearest and most important studies to be published on education, worldwide, in many decades' Danny Dorling Does the education system make better people? Why are so many - teachers and students alike - stressed and dissatisfied? Do we need to revive real education? Ideally, education is about the pursuit of truth, beauty and morality. But in the last few decades, a perilous fixation with human capital - skills, knowledge and aptitudes required for the labour market - has trampled over curricula, schools and universities. Rather than learning how to think critically about the world, from cradle to grave students are trained to be more effective workers, to make more money, and to serve an hegemonic ideology. Teachers and researchers are pressed to serve those goals. In this concluding book in his series on the commons, Guy Standing shows us how education - intrinsically a common public good - has been enclosed, privatised, financialised and corrupted, turned into an instrument of societal control, not human emancipation, weakening democracy, not strengthening it. Human Capital charts how the education industry largely serves commercial interests, not its teachers and students, and considers how to revive its lost values, to save society for the common good.

The Tragedy of the Education Commons

Human Capital

Margaret Thatcher’s mantra ‘there is no alternative’ was not a statement of historical fact but a strategic objective. She shared with Hayek, Pinochet, Mises, Trump, Bolsonaro, and Macron a commitment to utilizing ideology, constitutional economics, labour discipline, and culture wars, as well as police and military force, to prevent popular resistance from organizing. Whatever their doctrinal differences, they all see the state’s tight control of democracy as the most effective means of defeating egalitarian alternatives. Neoliberalism persists today thanks to its ability to defeat opponents while deepening social and cultural regression.

Neoliberal Strategy and the Politics of the Enemy

The Choice of Civil War

A Plain English Guide to Thinking Globally and Investing Wisely: The life-changing personal finance and investment bestseller

How to Own the World

"In one wide-ranging volume, Lambert and the country reporters demonstrate that law can not only keep up with technological change, but can in fact stay well ahead by anticipating upcoming questions. This comprehensive comparative reference will be invaluable for lawyers and students." (Professor Joshua Fairfield. Washington and Lee University School of Law, Review of a previous edition) Bringing together a global team of authors, the International Handbook of Social Media Laws covers the law relating to social media across 34 countries in total. From influential social media defamation cases in Australia, to tweeting from court, and regulations enforced by the UK's Online Safety Act 2023, this book clearly articulates the main legal issues and developments across various legal jurisdictions, to ensure a company's social media presence is fully compliant with the law of each country. The third edition has been fully updated to incorporate new criminal and civil case law, and covers topics including: - Online abuse, online bullying and cyberbullying laws - Laws or rules specific to children and social media - Bans or restrictions on the use of, or access to, the internet or social media, including the influential TikTok, Inc. v. Garland case in the US - Use of social media as evidence in courts - Hacking and data breach laws. Contributors to the volume each provide coverage of their own country, ensuring the volume is both authoritative and practical. Countries represented include: Argentina, Australia, Belgium, Brazil, Bulgaria, China, Czech Republic, Denmark, El Salvador, Estonia, Finland, France, Germany, Greece, Hungary, India, Ireland, Italy, Malta, Mexico, New Zealand, Norway, Senegal, Serbia, Singapore, Slovenia, South Africa, Spain, Sweden, Switzerland, Taiwan, United Kingdom, United States and Uruguay. This title is included in Bloomsbury Professional's Intellectual Property and IT online service.

International Handbook of Social Media Laws

An inventive new look at the entwined histories of Britain and Ireland's nations - and the people who have called them home.Acclaimed author and journalist Brian Groom reveals the colourful and often-contested history of the Celts, Romans, Anglo-Saxons, Vikings, Normans and others who have occupied these islands, along with their culture, languages and passions.Packed with surprise and insight, These Isles explores the role of religion, the British Empire, international diasporas and internal migration, gender relations and war in a nuanced and entertaining narrative.With forays into popular culture, sport, music, language, literature and art, These Isles stretches from 800,000-year-old footprints on a Norfolk beach to the changing fortunes of the early twenty-first century. It offers a uniquely rich and kaleidoscopic vision of the shared stories of people across Britain and Ireland - past and present.

A People’s History of England, Ireland, Scotland and Wales

These Isles

The Expert Landlord

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