R & J Capital Group, LLC Mortgages
R & J Capital Group offers mortgage services for home owners and buyers. NMLS #183264
In addition to "Regular" deals we can arrange loans:
1) For Jumbo Loans with 10% down
2) With No Tax Returns necessary
3) In the name of an Entity (LLCs or Corporations),
4) On properties without a Certificate of Occupancy,
5) For self-employed individuals, even if they don't have a two year history
6) With Assets used as income
7) For mixed use and commercial transactions
8) With a non-occupying
When it comes to choosing the right mortgage repayment strategy, many buyers (and even investors) are faced with a critical question:
Should I go with a traditional Principal & Interest mortgage… or an Interest-Only loan?
In this video, we walk you through a detailed example using:
$500,000 loan
6% interest rate
30-year term
Side-by-side monthly repayment comparison
Interest-Only Loan:
Lower monthly payment ($2,500)
Easier to qualify for
Frees up short-term cash flow
❌ But — you're not building equity. Your balance stays the same.
Principal & Interest Loan:
Slightly higher payment ($2,997)
Payments stay consistent over time
✔️ You’re paying down your loan and building equity from Day 1
Each month, the interest goes down and principal paid goes up
Even after just one year, with Principal & Interest, you’ve paid back over $6,400 to yourself in equity—something an Interest-Only loan doesn't provide.
Both options have pros and cons. One offers short-term affordability, while the other is focused on long-term financial growth and wealth building.
Watch the full video to understand the long-term impact of each option. We break down every number and show how the repayment schedule works in real life.
💬 Have questions or personal experiences to share? Drop a comment below! Let’s learn and grow together.
👉 Like, share, and follow for more smart mortgage insights from your trusted home loan experts.
The Power of Leverage
A former long-term client of &J Capital group, LLC recently contacted us after selling a property and netting over $400,000. They wanted to reinvest in real estate, so we explored how to make that money work smarter—not harder.
In this video, we compare two strategies:
Buying one $500,000 property, or
Using leverage to buy two $500,000 properties with $200K down on each
Both options assume 4% annual appreciation. But while the first earns $20K in growth, the second approach doubles that—earning $40K, thanks to the increased asset base.
This example highlights how strategic use of financing can maximize your returns and grow your real estate portfolio faster.
We’ll also touch on:
What capital gains mean
Official Statistics on historical home appreciation in the US
Why leverage is a powerful wealth-building tool
If you’re considering reinvesting equity or buying your next property, this is a must-watch.
Not sure which mortgage is right for you? You're not alone — and this video is packed with valuable info to help you decide!
Join Robert Niyazov, your trusted mortgage source, as he breaks down the most common types of mortgage loans available in today’s market. From conventional loans to FHA, DSCR loans, and bank statement programs, this guide covers it all — whether you're a first-time homebuyer, self-employed, or a real estate investor.
In this video, you'll learn:
-The key differences between loan types
-Which loans offer lower down payments
-Options with minimal documentation
-How investors can qualify with rental income
-Special programs for refinancing and equity cash-out
Whether you're buying your first home or refinancing your fifth, there's a mortgage option for you — and we’re here to help you find it.
Questions? Contact us — our info is in the description.
Like, comment, and follow for more real estate tips!
Looking to close a real estate deal fast, but traditional financing isn't an option? Hard money loans might be the solution you need.
In this video, we break down how hard money loans work — from no income documentation and quick approvals to solutions for credit issues or non-financeable properties. Whether you're a real estate investor, facing credit challenges, or just found the deal of a lifetime and need cash ASAP, hard money might be your best bet.
Example: Buying a $700,000 property? You could get up to $500,000 with almost no questions asked.
-Loans typically last 12–24 months, and an exit strategy is key. That’s why working with a mortgage professional (like us!) is still important.
-Need help navigating your options? Contact us today — our info is in the description!
-Like this video, follow us for more real estate and mortgage tips, and share with someone who needs this!

Happy Passover from all of us at R&J Capital Group LLC! 🕊️
As we celebrate this season of freedom, renewal, and togetherness, we extend our heartfelt wishes to you and your loved ones. May your Passover be filled with peace, joy, and meaningful moments around the Seder table.
Chag Sameach! ✡️
ver wonder why getting a mortgage feels like you're handing over your life story? You're putting $100K down, asking the bank for $400K — and yet they want everything! Bank statements, pay stubs, even explanations for random deposits. So what gives?
Here’s the real talk:
- Banks don’t want your house — they want consistent monthly payments.
- They dig deep to make sure you're truly able (and likely) to pay them back.
- The 2008–2010 financial crisis changed everything.
- Now, it’s about risk management, fraud prevention, and even anti-money laundering laws.
Yes, it can feel like a lot. But would you lend someone $400K without asking questions? Neither would they.
👉 Work with an experienced pro to make the process smoother — but know this: extra documentation is normal in today’s world. And believe it or not, some of it actually protects you, the buyer.
In today’s video, we’re diving into the topic of mortgage appraisals! Whether you're a homeowner, prospective homeowner, or an investor, it’s essential to understand how appraisals work and why they’re a crucial part of the mortgage process.
When applying for a mortgage or refinancing, an appraisal is often required. We’ll explain what an appraisal is, how the value is determined, and how it affects both the buyer and the lender. We'll also cover what happens if the appraisal comes in lower than the purchase price and how it can even uncover hidden issues with a property.
Is your appraisal higher or lower than expected? There’s always room for options, and we’ll explain what steps you can take if you’re in that situation.
For more details, make sure to check out our full-length video on this topic, where we break down everything you need to know about appraisals and more!

Ready to Grow Your Rental Property Portfolio?
Are you looking to expand your investment in real estate? Now's the perfect time to take the next step! Whether you're eyeing your first rental property or adding more to your collection, we can help you qualify for investment properties with the best rates.
🔑 Our experts are here to guide you through the process, making it easier than ever to secure your next investment.
📞 Call us today and let's make your property goals a reality!
Are you wondering if now is the right time to refinance your mortgage? With interest rates falling, many homeowners are asking themselves the same question. In this video, we break down the common misconception that your rate needs to drop by at least 2% for refinancing to be worthwhile.
We’ll walk you through different scenarios that illustrate why refinancing decisions should be based on more than just the rate. For example, a homeowner with a larger mortgage (like $700,000 or $1 million) may benefit from even a small decrease in rates, saving hundreds per month. However, a smaller mortgage, such as $150,000, might not see enough of a financial benefit to warrant a refinance, even with a larger than 2% rate drop.
We’ll use real-life examples to help you understand how the loan amount and savings matter more than the percentage drop alone.
If you're considering refinancing, this video is a must-watch to help you make an informed decision.
Key takeaways:
Why the 2% rate drop rule isn’t always true.
How current loan amount affects your refinance savings.
Real-life examples to help you decide when to refinance.
Don’t forget to like, share, and subscribe for more mortgage tips and advice!
In this video, we dive into the important role that immigration plays in the growth of neighborhoods and the housing market in the United States. With the birth rate declining, immigrants—especially those in legal status—are becoming key players in revitalizing distressed areas, contributing to local economies, and driving housing demand. We’ll go through concrete statistics and real-life examples to show how immigrants help gentrify neighborhoods, create economic opportunities, and improve the overall market.
As a pro-legal immigration advocate, I believe that controlled immigration benefits both the U.S. economy and immigrants themselves. Immigrants, often moving to more affordable or rural areas, help boost property values, improve local infrastructure, and contribute to the tax base. Over time, these neighborhoods transition from being overlooked to becoming vibrant communities.
Key Points:
Declining birth rate in the U.S. and how immigrants can fill this gap.
Immigrants tend to settle in more affordable and distressed areas, which eventually undergo gentrification.
The long-term benefits of immigration on local economies, property values, and neighborhood revitalization.
By supporting immigration, we’re not only improving distressed neighborhoods but also creating a stronger, more diverse economy.
Let us know what you think in the comments below!
Ever wondered why your cousin got a better mortgage rate than you? The answer might be simpler than you think! In today’s video, we dive into the key factors that influence your mortgage rate. From your credit score to the type of property you’re buying, and one of the most important elements: the Loan to Value (LTV) ratio.
We’ll explain how LTV works and how it can affect the risk for lenders. For example, a lower down payment (like 10%) means higher risk for the bank, leading to a higher interest rate. On the other hand, a larger down payment (like 40%) gives the bank more cushion, lowering the risk and resulting in a better rate for you.
So if your cousin’s rate seems better, this could be the reason why! Learn how to improve your mortgage terms and secure the best deal on your home loan.
It's been a rocky road for anyone in real estate and mortgage and I applaud anyone who is still pushing forward. In this video, we reflect on the passing year(s), comment on the main ideas and project for 2025.
2023 and 2024 are first full years from the rise in mortgage rates that changed so much in the industry - from lower affordability to buy a new home to a limited desire for people to list their homes for sale due to the fact that they have a low current rate.
However, the public is more accepting of a new higher rate reality and we see it in increased inventory of homes for sale. Separately, election of Mr. Trump to lead the country is also viewed positively by the business community.
We mention the expected rate range for 2025 and house appreciation.
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New York, NY
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Monday | 8:30am - 8pm |
Tuesday | 8:30am - 8pm |
Wednesday | 8:30am - 8pm |
Thursday | 8:30am - 8pm |
Friday | 8:30am - 8pm |