Chasing Financial Freedom

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 marketUsing DSCR loans and creative finance for higher returnsChoosing the right exit plan for your investmentLessons learned from wholesalers and investors working real dealsEnjoy 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 correctlyAvoid appraisals and draw schedule disastersVet your general contractors the right wayUse performance bonds to protect your projectsIf 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 themWhat to do when an appraisal comes in lowHow to identify qualified buyers fastHow to build consistent monthly income through financingIf 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 cashHow to structure deals that close faster and smootherHow to qualify buyers and avoid last-minute financing issuesHow to earn money from every conversation you’re already havingIf you’re ready to build consistency, grow your business, and stop leaving money on the table, this episode is your roadmap.

Most real estate wholesalers live and die by cash buyers, but what if that’s holding you back?In this episode, Ryan DeMent exposes why ignoring DSCR loans could be the reason your deals stall out. You’ll hear how to use DSCR financing to close faster, protect your assignment fees, and stop leaving money on the table.Learn what lenders really look for, how to qualify your buyers fast, and why adding DSCR loans to your toolbox gives you an edge over other investors.Listen in and discover:How DSCR loans can unlock more deals for wholesalersWhen to bring financing into your real estate businessThe truth about appraisals, timelines, and closing fasterWhy 85% of “cash buyers” aren’t truly paying cashFollow the Chasing Happiness Podcast for real talk about DSCR loans, real estate investing, and building wealth with purpose.

In this episode, Ryan exposes the biggest mistakes investors and wholesalers make with DSCR loans, mistakes that can kill your cash flow or blow up your deals. From understanding loan terms to protecting your assignment fee, this episode gives you the insider perspective to avoid costly errors and close with confidence.What you’ll learn:Why a DSCR ratio of 1.0 is a losing gameHow to lock in your assignment fee so you actually get paidThe truth about closing timelines and appraisalsThe loan details that can make or break your dealIf you want to scale your portfolio and close more deals without financing nightmares, this one’s for you.

Cash buyers are great… until they’re not. In this episode, I’m breaking down how wholesalers can close more deals with DSCR loans and finally stop stressing over whether a buyer will show up at closing.You’ll hear how DSCR loans:Protect your assignment feeExpand your buyer pool beyond just “all cash” investorsSpeed up closings without burying you in paperworkIf you’re tired of chasing buyers and ready to scale smarter, this one’s for you.👉 Let me know: Would you use DSCR loans to back your wholesale deals?

You’ve been lied to about DSCR loans, and it’s costing investors time, money, and opportunities.In this episode, I’m breaking down the five biggest DSCR myths that are keeping people stuck, broke, and frustrated. We’ll cover:Why a 1.0 DSCR ratio is a trap (and the real sweet spot you should aim for)The truth about personal guarantees (yes, you’re still on the hook)Why aren't all DSCR loans created equalHow first-time investors can actually qualifyThe hidden limits lenders don’t tell you aboutIf you’ve ever been told “just trust the process” when it comes to DSCR loans, this episode is your wake-up call.👉 Drop your biggest DSCR myth in the comments and let’s bust it together.