Chasing Financial Freedom

Most investors obsess over getting the lowest DSCR rate and end up paying more once you factor in points, prepayment penalties, and junk fees. In this episode of Chasing Financial Freedom, Ryan DeMent walks through five critical red flags hiding inside DSCR loan offers: bad rate‑plus‑points tradeoffs, prepayment penalties that don’t match your hold strategy, inflated or bogus fees, sloppy DSCR calculations, and the mistake of only getting one quote. If you’re using DSCR loans to build your rental portfolio, this episode will show you how to read loan estimates like a pro, compare offers apples‑to‑apples, and choose the deal that truly costs less over the life of your investment, not just the one with the prettiest rate on the page.

You don’t need perfect W‑2s or flawless tax returns to build a rental portfolio—but you do need to understand how DSCR loans really work. In this episode of Chasing Financial Freedom, Ryan DeMent explains what DSCR is, why it’s a game-changer for self‑employed and write‑off‑heavy investors, and how to use three key strategies—better deal structure, CEO‑level NOI management, and BRRRR/portfolio refinancing—to protect cash flow, avoid prepayment traps, and scale beyond what your local bank will allow. If you’re tired of hearing “no” from conventional lenders, this playbook will show you how to analyze and structure your next DSCR deal like a pro.

Most real estate investors use DSCR loans, but very few know how to tweak them to actually protect cash flow and avoid painful surprises. In this episode of Chasing Financial Freedom, Ryan DeMent breaks down 3 secret DSCR loan hacks: underwriting deals with conservative rents so your DSCR holds up when the market shifts, using structure (LTV, DSCR bands, reserves) to improve pricing instead of only chasing rate, and matching prepayment penalties to your real exit plan so you’re not writing a massive check when you sell or refi. If you’re scaling a rental portfolio with DSCR loans, this conversation will change how you analyze, structure, and lock your next deal.

When rents cool off, and your DSCR loan no longer pencils the way it did on paper, what’s your best move: conventional, DSCR, or something else? In this episode of Chasing Financial Freedom, Ryan DeMent breaks down the good, bad, and ugly of conventional vs. DSCR loans, how falling rents and tighter DSCR ratios are exposing weak deals, and what smart investors are doing now with reserves, prepayment penalties, and rent underwriting so they can keep scaling without blowing up their portfolio.

Many investors think a DSCR loan is a DSCR loan—until overlays, reserves, and prepayment penalties blow up their deal. In this episode of Chasing Financial Freedom, Ryan DeMent breaks down the key differences between local bank “DSCR-style” portfolio loans and true non-QM DSCR lenders, how overlays work in the real world (housing history, VOR, first-time investors), and what you must know about reserves and long-lasting prepayment penalties before you sign. If you use DSCR loans to scale your rental portfolio, this conversation will help you avoid costly surprises and choose the right lender structure for your strategy.

Buying an "as-is" property with a DSCR loan? Skipping this step doesn't just cost you $40k in repairs—it can disqualify you from Section 8 and kill your cash flow. In this episode, I break down a real-life nightmare scenario where an investor skipped the inspection on an off-market deal, only to face huge repair bills to meet lender standards. We discuss why DSCR lenders reject "C5" properties, the hidden trap of "double closing costs" with bridge loans, and why a 1.0 DSCR ratio actually means you're losing money. 📲 Follow on social: https://bit.ly/496x1EA

This episode is for real estate investors who feel stuck because banks cap them at one or two properties, and their debt-to-income ratio kills further approvals. Ryan walks through how DSCR loans underwrite cash-flowing rentals instead of your W2, how to avoid low DSCR and appraisal traps, and when to use non-QM DSCR loans instead of conventional financing so you can safely own three solid doors instead of being stuck with one.

Real estate investors using or considering DSCR loans who worry about appraisals blowing up their deals will learn how value, comps, and rent estimates really impact approvals and refis. Ryan breaks down why every strategy—DSCR loans, bank financing, cash purchases, and 1031 exchanges—still depends on appraisals, and how understanding comps, rental neighborhoods, and the 1007 rent schedule can help you price deals correctly, protect your DSCR ratio, and avoid letting low appraisals kill your next investment.

Real estate investors planning 2026 financing who are torn between DSCR loans, local banks, or cash will learn how each option affects approvals, portfolio caps, and personal DTI. You’ll hear what DSCR lenders actually require, how they compare to banks on speed and paperwork, how cash plus delayed financing impacts scaling, and what to consider with prepayment penalties and working with a broker who can shop 200+ lenders.

If you’re winding down 2025 and didn’t hit your DSCR goals, you’re not alone. In this episode of Chasing Financial Freedom, Ryan talks about why so many investors and wholesalers shut down the last 4–6 weeks of the year—and how that decision quietly puts them weeks or even months behind when 2026 starts.​ He breaks down real DSCR timelines from current deals, why most new contracts in late December won’t close until January anyway, and how to use that gap to your advantage by putting deals under contract now, ordering appraisals, and lining up lenders so you open the year with momentum instead of trying to restart a cold engine.​ You’ll also hear why deal flow = revenue = profit, what happens to investors who go dark until March, and how Ryan is approaching 2026 differently—expanding from 1–4 unit DSCR loans into 5–8 units and apartments, and building a bigger team to serve more investors at a higher level.​ If you’ve ever wondered whether it’s worth pushing through the holidays or if you’re thinking about your own 2026 investing goals, this conversation will help you think more strategically about timing, financing, and growth. If this episode helped you, follow the show, leave a rating or review, and share it with another investor who’s ready to stop coasting through December and start planning for 2026.

DSCR loans in 2026 may be the difference between growing your real estate portfolio and getting capped out by local banks. In this episode, Ryan breaks down how DSCR (debt service coverage ratio) loans let investors keep buying cash-flowing properties without blowing up their personal DTI, even as the market cools and lending tightens.​ You’ll hear a clear refresher on what DSCR loans are, why they’re designed for investment properties and short‑term rentals, and the DSCR ratios you should aim for so you’re not stuck with a deal that doesn’t cash flow when hard money comes due. Ryan also talks about overestimating rents, the importance of your all‑in number, and why a DSCR below 1 is a red flag you should walk away from.​ He shares real-time observations from the Phoenix market—longer days on market, repeated price reductions, and institutional landlords cutting rents on single‑family rentals—and what could happen if hedge funds start unloading properties in 2026. You’ll also hear why tech and AI will be a key edge for investors who want to analyze deals and markets faster.​ If you’re serious about using DSCR loans to scale your investing in 2026, this conversation will help you think more clearly about financing, risk, and opportunity. If you enjoyed the episode, follow the show, rate it, and share your biggest DSCR or bank‑denial story with us—your experience might help another investor.​

Your bank just told you “no more loans”—now what? In this episode, you’ll learn how DSCR (Debt Service Coverage Ratio) loans let you scale beyond 4 doors without using W‑2 income, tax returns, or traditional DTI limits. We break down credit score requirements, DSCR minimums, loan-to-value caps, reserves, and how to structure deals so your properties actually cash flow instead of draining your wallet. If you’re serious about growing a real rental portfolio and not just owning one or two doors, this episode gives you the playbook to move forward.

Are appraisals killing your DSCR loan deals? 😱 Don’t let a low appraisal ruin your investment! [Episode 1] In this episode, we cover appraisals, DSCR ratios, reconsideration of value, rental comps, and more. ✨ Key takeaways: • DSCR dropped from 1.3 to 0.95 due to a low appraisal. • Understand the 1007 form for rental income calculations. • Use the Reconsideration of Value process effectively. • Be cautious with seasonal rental markets and their impact. • Know lenders may raise rates with a DSCR below 1.0. 🎧 Subscribe/Follow Chasing Financial Freedom #DSCR #realestateinvesting #cashflow #investorloans #duediligence

Investors lose tens of thousands on DSCR loans by missing hidden pitfalls and believing industry myths. In this episode, hear real $50K disasters, learn the critical steps for due diligence, and discover the investor-proven strategies that can protect your portfolio and profits. Subscribe for more smart investing tips every week!

Which real estate loan wins in 2025—DSCR or hard money? Discover the pros, cons, hidden traps, and the best situations to use each. Learn expert strategies for maximizing profit, managing risk, and avoiding investor mistakes so you make your next deal with total confidence. Hit follow for more insider tips!

Why do so many real estate investors fail—even in booming markets? In this episode, Ryan unpacks personal stories and hard lessons to help you dodge the costly mistakes and win big in 2025. From overleveraging and contractor issues to new market trends and practical advice for building your team, this episode provides you with real, actionable steps. Enjoyed the show? Rate, follow, and share your own investing lesson with us—your story might help another listener!

Are you looking for the best real estate exit strategies as a cash buyer in 2025? This episode dives into the top three ways successful investors maximize profit: BRRR, DSCR loan refinancing, and 1031 exchanges. You’ll learn how to avoid costly mistakes, unlock new deal opportunities, and make smarter decisions with your capital. Ryan shares insider tips on: Defining a true cash buyer in today’s market Using DSCR loans and creative finance for higher returns Choosing the right exit plan for your investment Lessons learned from wholesalers and investors working real deals Enjoy the episode? Rate, follow, and tell us which exit strategy you’re using right now!

Real estate investors lose thousands every year because they misunderstand DSCR and fix-and-flip financing. In this episode, Ryan DeMent reveals how to: Calculate your DSCR ratio correctly Avoid appraisals and draw schedule disasters Vet your general contractors the right way Use performance bonds to protect your projects If you’re tired of surprises at closing or struggling to stay profitable, this episode gives you the tools to make smarter deals and keep more cash in your pocket.

Tired of watching deals fall through because you can’t find cash buyers? In this week’s episode, Ryan DeMent explains how to scale your wholesaling business using DSCR loans, fix-and-flip financing, and bridge loans — and how to earn legitimate referral income while doing it. You’ll learn: How to structure assignments so lenders approve them What to do when an appraisal comes in low How to identify qualified buyers fast How to build consistent monthly income through financing If you want steadier closings and multiple income streams, this episode is your next move.

Most real estate wholesalers are stuck chasing cash buyers — and it’s killing their consistency. In this episode, Ryan DeMent reveals how to use DSCR loans, fix & flip financing, and bridge loans to close more deals, protect your assignment fees, and add an extra income stream through referral commissions. You’ll learn: Why 85% of “cash buyers” aren’t really using cash How to structure deals that close faster and smoother How to qualify buyers and avoid last-minute financing issues How to earn money from every conversation you’re already having If you’re ready to build consistency, grow your business, and stop leaving money on the table, this episode is your roadmap.