Chasing Financial Freedom
If you're an entrepreneur, small business owner, or side hustler looking for new ways to make money, scale your business, or turn your side hustle into a business, we've got something for you. We'll be interviewing successful entrepreneurs who have turned their dreams into reality. We'll learn how they did it and what they wish they'd known before they started their businesses. Your host, Ryan DeMent, has unique insights built by 25 years of experience in the financial industry and several failed businesses. So if you're looking for new ways to make money, scale your business, or turn your side hustle into a business… then this podcast is for you!
Episodes
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, avoi...
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 prepay...
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...
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 ...
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 tra...
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, protec...
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, ...
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 propert...
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...
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 a...
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 st...
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 creativ...
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 t...
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 bu...
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...
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 gi...
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