Chasing Financial Freedom

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...

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...

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 game

• How to lock in your assignment fee so you actually g...

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 fee

• Expand your buyer pool beyond just “all cash” investors

• Speed up closings without burying you in paperwork

If you’re tired of chasing buyers and ready to scale smarter, thi...

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...