Chasing Financial Freedom

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 equal

• How first-time invest...

Most investors turn to their local bank or credit union for a DSCR loan, only to get blindsided. Suddenly, they’re asked for tax returns, W2s, pay stubs, and bank statements — and worse, that “DSCR loan” ends up on their personal credit report.

In this episode, I break down the truth about DSCR loans:
✅ Why banks and credit unions don’t actually offer true DSCR loans
✅ How these “fake DSCRs” can wreck your debt-to-income ratio...

Most people assume buying your first home is easier than buying your first rental, but that’s not true. In this episode, I break down why real estate investors have an easier path with DSCR loans, why the numbers matter more than personal income, and how to avoid the biggest mistakes that lead to negative cash flow.

Whether you’re on the fence about buying a home or jumping into rentals, this episode will challenge what you thought ...

Hitting the wall with your lender because your debt-to-income ratio is too high? You’re not alone. Most investors max out between 4–10 properties when they rely solely on conventional loans.

In this episode, I reveal how DSCR refinancing can pull those loans off your personal credit, free up your DTI, and give you room to grow your portfolio without drowning in paperwork or delays.

We’ll break down:

• How DSCR refinancing works (and...

Want to own 10+ properties without wrecking your credit or drowning in paperwork?

In this episode, I break down how to use DSCR loans creatively, including portfolio and blanket loan options, to scale your rental portfolio faster. We’ll cover:

• The real difference between portfolio vs. blanket DSCR loans

• How to cross-collateralize equity to acquire more properties

• The hidden costs & penalties you must know before signing

• What len...

Are you unknowingly sabotaging your business?

In this episode, I break down 3 money mistakes that are quietly destroying your business and how to fix them before they cost you everything.

We’ll dig into:

• Why a scarcity mindset is keeping you stuck in survival mode

• The costly pricing and spending habits that drain growth

• How to shift into an abundance mindset so your business can thrive

This isn’t just theory, I’m sharing the rea...

Ever tried pulling cash out of a rental property with a DSCR loan only to get slammed by delays, lowball appraisals, and lender drama? You're not alone. Most investors are stuck in a broken system.

In today’s episode, we’re breaking down a new way to do DSCR cash outs that skips the physical appraisal and lets you close in 7 days or less. Yep, it’s real and it could save you weeks of waiting and mountains of stress.

You’ll learn:

The truth about DSCR loans nobody told you? Most real estate investors assume these loans protect them from personal liability—but that assumption can wreck your portfolio. In this episode, we uncover what banks, brokers, and most “experts” won’t tell you about DSCR loans.

You’ll discover:

• The real difference between recourse and non-recourse DSCR loans

• Why most DSCR loans still make you personally liable

• What “bad boy carve-outs” ...

What banks aren’t telling you about DSCR loans... but I will.

Everyone says DSCR loans are the key to scaling your rental portfolio without wrecking your credit. But if you follow the wrong lender’s rules, you’ll end up overleveraged, stuck in a deal, and locked in just like a traditional loan.

In this episode, Ryan breaks down the DSCR loan pitfalls no one else is talking about:

• W‑2 and DTI myths: it’s not just about income docum...

What if you could own 50+ rental properties—and your personal credit never took a hit?
Most investors hit a wall after 4 to 6 deals. Why? Because traditional banks kill your momentum with DTI limits and outdated rules.

In this episode of Chasing Financial Freedom, I’m breaking down the DSCR loan strategy—how to scale your real estate portfolio without compromising your credit or your values.

✅ Inside This Episode:

• Why most inve...

Three days before closing, our house deal collapsed. One mistake, thousands gone, and a wave of financial pressure I didn’t see coming.

In this real and raw episode of Chasing Financial Freedom, I open up about what it’s like to hustle through heartbreak and what that pressure taught me about business, mindset, and faith. If you’re running a side hustle, growing a business, or just trying to breathe under the weight of it all, this ...

The habits you build in peace won’t always survive the storm. But the ones built under pressure? They can transform your life.

Feel like life’s testing you harder the more you try to succeed?

This episode is for every entrepreneur in the middle of a storm—facing setbacks, delays, and doubts—and wondering if it’s all worth it. Ryan shares a real-life business storm that nearly knocked him out and the mindset shift that’s changed every...

Feel like everything’s going wrong—even when you’re doing everything right? You’re not alone.

This one’s for every entrepreneur questioning their calling in the middle of chaos. Hit play—and take the challenge at the end.

This week on Chasing Financial Freedom, I’m opening up about a real storm I’m facing in my business right now. We’re talking setbacks, contractor issues, and the overwhelming weight of trying to do it all. But more ...

Are you stuck dreaming instead of doing? In this powerful episode of the Chasing Financial Freedom Podcast, host Ryan DeMent breaks down the difference between a wish and a win—and reveals 3 unbreakable rules every entrepreneur must follow to start gaining serious traction.

You’ll learn how to:

• Turn a vague dream into a crystal-clear, deadline-driven goal

• Eliminate distractions that are silently killing your momentum

• Develop a winn...

Feeling stuck in the grind? Wondering where your passion went? You’re not alone—and you’re not done yet.

In this episode of the Chasing Financial Freedom Podcast, Ryan DeMent opens up about how he lost connection with the mission behind his business—and how he’s turning it all around.

Through raw reflection and powerful insights, Ryan breaks down 3 purpose-driven habits that every entrepreneur can use to reignite their mindset, resto...

Ever felt like everything’s swirling around you and there’s no way out? This week on Chasing Financial Freedom, I open up about what it’s like to be in the middle of a personal and professional storm—and how to anchor yourself when everything feels uncertain.

This isn’t just a conversation about mindset—it’s a roadmap through the chaos. You're not alone if you’re facing financial strain, business challenges, or emotional overwhelm. ...

Are you grinding so hard in your business that you've lost sight of your mission?
In this episode of Chasing Financial Freedom, I open up about a game-changing realization after what I call a “CFO meeting with the man upstairs.” Somewhere between chasing results and solving problem after problem, I lost focus on why I started this journey: to serve others and make a lasting impact.

Whether you're a business owner, entrepreneur, or so...

What do you reach for when life hits you with a two-by-four—mentally, financially, emotionally? In this raw and real episode of the Chasing Financial Freedom Podcast, host Ryan DeMent pulls back the curtain on one of the most challenging weeks of his business journey and reveals the four habits helping him push forward when the pressure is on.

If you’ve ever felt overwhelmed, anxious, or like you’re carrying the world's weight on yo...