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Description
SEI Mortgage is the podcast dedicated to helping self-employed borrowers and real estate investors get the financing they need, even when traditional banks say no.
We unpack Self-Employed & Investor mortgages, practical solutions designed for people whose income or goals don’t fit into the traditional lending box.
Each episode explores loan options like:
- Bank Statement Mortgages
- 1099 Income Loans
- Profit & Loss Programs
- DSCR Loans for Investors
- Alternative & Creative Financing Options
Discover smart mortgage solutions and explore all the options available.
Visit @ https://SEIMortgage.com
for all episodes, articles, tools, and additional resources. NMLS #519138
18 Episodes
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Did you know there’s a way to lower your mortgage payment without refinancing, without changing your interest rate, and without re-qualifying? In this episode of the SEI Mortgage Podcast, Ryan Marks breaks down one of the most overlooked mortgage strategies available today, the mortgage recast. This is the mortgage move banks rarely advertise. A mortgage recast allows you to make a lump sum principal payment and then have your lender re amortize your loan, lowering your monthly payment while ...
Let's break down a real success story where a real estate agent and investor were denied conventional financing… but still closed on their next investment property using a DSCR loan (Debt Service Coverage Ratio loan). If you’re self-employed or building a real estate portfolio, this episode is a must listen. We unpack: • Why traditional lenders deny investors with strong portfolios • How tax write-offs can hurt your mortgage approval • What a DSCR loan is and how it works • ...
In this episode of the SEI Mortgage Podcast, Ryan Marks sits down with Halsted Knutson, Private Wealth Advisor with ClearPath Wealth Management, to break down the intersection of smart lending strategies and long-term wealth planning for self-employed business owners, entrepreneurs, and real estate investors. The conversation goes far beyond “retirement.” Instead, we unpack what it really means to become financially secure — without becoming a burden on your family or risking running out of m...
Thinking about buying your next rental property? Before you submit an offer, you need to know one thing — will it actually cash flow? In this episode of the SEI Mortgage Podcast, Ryan Marks walks you step-by-step through how to use the free DSCR calculator on SEIMortgage.com to analyze your investment property before ever speaking to a lender. If you’re a real estate investor or building a rental portfolio using DSCR loans, this episode shows you how to calculate: • Debt Service Coverage Rati...
Inheriting real estate in California can be a blessing, or a financial puzzle. When one heir wants to keep the property and another wants to cash out, the wrong move can trigger a property tax reassessment, massive tax increases, or deal-breaking delays. In this episode of the SEI Mortgage Podcast, Ryan Marks is joined by special guest Dat Nguyen, who shares expert insight into how families can access equity from an inherited property held in a family trust, buy out one beneficiary, and still...
DSCR loans continue to be one of the most powerful financing tools for real estate investors, especially as we head into 2026. If you’re building a rental portfolio, investing in long term or short term rentals, or tired of traditional lenders analyzing your personal income, this episode is for you. In this episode of the SEI Mortgage Podcast, Ryan Marks breaks down DSCR loans, also known as Debt Service Coverage Ratio loans, and explains how investors qualify based on property cash flow inst...
Closing costs confuse most buyers and cost people thousands of dollars simply because they do not understand them. In this episode of the SEI Mortgage Podcast, Ryan Marks does a live screen share and walks through a Closing Disclosure to explain exactly what closing costs are when buying a home, where the numbers come from, and which fees matter most for buyers, self employed borrowers, and real estate investors. This episode breaks down lender fees, title and escrow charges, prepaid items, t...
Fix and flipping real estate can be extremely profitable, but it can also be one of the fastest ways to lose money if you buy the wrong deal. The difference between success and failure almost always comes down to how the deal is sourced, analyzed, renovated, and financed. In this episode, Ryan Marks is joined by Brad Hansen of ENRG Realty, an experienced Los Angeles based investor and agent who specializes in sourcing, renovating, and flipping properties for strong returns. Brad shares how su...
In this episode of the SEI Mortgage Podcast, Ryan Marks walks you through exactly how bank statement income loans work and how lenders calculate income using only your bank statements instead of tax returns. You’ll get a step by step screen share demonstrating how to calculate your own qualifying income using the SEI Mortgage free Bank Statement Calculator This episode is perfect for: • Self employed home buyers • Business owners with heavy tax write offs • 1099 earner...
Short-term rentals can be one of the fastest ways to build cash flow in real estate, if you buy the right property. In this episode of the SEI Mortgage Podcast, we’re joined by special guest LC Beh of Strive Realty, a top-producing agent in the Los Angeles market and a longtime friend of the show. LC breaks down how successful investors identify short-term rental opportunities before they buy, what separates high-performing STRs from underperforming ones, and how to navigate today’s market wh...
A mortgage preapproval carries real weight, while a prequalification letter often does not, and that difference can determine whether your offer is accepted or ignored. In this episode, Ryan Marks breaks down the critical differences between a mortgage preapproval and a prequalification letter, why sellers and listing agents demand a true preapproval, and how many buyers unknowingly lose homes by submitting weak prequal letters. We explain what documentation lenders actually review for a prea...
If you own a home or investment property, there is a good chance you are sitting on equity you do not even realize you can access. Many homeowners and real estate investors assume equity can only be used through a traditional refinance, but that is not always the best option. In this episode, Ryan Marks breaks down HELOCs and HELOANs, how they work, and how self employed borrowers and investors can access equity without refinancing their existing mortgage. We explain the difference between a ...
If you're self employed or earning 1099 income, you already know the struggle of qualifying for a mortgage with traditional lenders. Your CPA uses legal write offs to reduce your taxable income, but banks rely on that reduced number to decide whether you qualify. The result is the same problem many entrepreneurs face. You are successful in your business, yet the bank still says you do not qualify. In this episode, Ryan Marks breaks down the Profit and Loss Loan, one of the most powerful Non Q...
For many self-employed borrowers, tax returns often to a tell a different. Your CPA uses deductions within your legal right to reduce taxable income, but traditional lenders rely on that reduced number to determine your eligibility for a mortgage. The result is the same frustrating outcome many entrepreneurs face. You're successful, but your tax returns don't convey the real value of your business, and the bank says you do not qualify. In this episode, SEI Mortgage Podcast breaks down t...
If you are building a real estate portfolio, the biggest challenge is often the same. Your personal income has nothing to do with how your investment properties perform. Traditional lenders still want tax returns, pay stubs, and personal debt to income ratios, even when the property can easily pay for itself. This episode breaks down the DSCR Loan, also known as the Debt Service Coverage Ratio Loan, the most popular Non QM mortgage for real estate investors. Instead of looking at your persona...
If you’re self-employed or run your own business, you already know the struggle. Your tax returns never show the full picture, and traditional lenders use taxable income instead of the real deposits flowing into your account. In this episode, we break down the Bank Statement Loan, the most popular NonQM program for self-employed borrowers and real estate investors. You’ll learn how lenders calculate income using 12–24 months of deposits, how expense factors replace write-offs, and why no tax ...
If you’re self-employed or building a real estate portfolio, the mortgage world can feel like it was not built for you. Traditional lenders rely on tax returns, W-2s, and outdated underwriting boxes that simply don’t reflect how modern entrepreneurs earn money. Today, we’re kicking off the SEI Mortgage Podcast by pulling back the curtain on the Non-QM mortgage world — the side of lending designed for independent earners, business owners, content creators, contractors, gig workers, and full-ti...
SEI Mortgage Podcast — Official Trailerfor Self-Employed Borrowers and Real Estate Investors Looking for REAL Mortgage Solutions If you’ve ever been denied by a traditional bank… If your tax write-offs make your income look “too low” on paper… If lenders don’t understand your investment strategy or your business structure… 👉 You’re in the right place. The SEI Mortgage Podcast is the show built exclusively for: • Self-employed borrowers • 1099 earners and gig workers • Real esta...
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