Ken Bossard, MBA discusses his favorite mortgage for building wealth in Black and Brown communities – the renovation loan. These are the only mortgages that only homeowners to borrow based on the after-improved value of the property while supplying and industry expert, a HUD Consultant, to verify and inspect home improvement costs and workmanship. In effect, the renovation mortgage allows nonprofessionals to invest like full-time real estate investors and to build wealth in the process.