Chasing Financial Freedom

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...

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 m...

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, th...

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 identif...

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 t...

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 ad...

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 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 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...

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...

Should you buy a home first or start with your first rental? In this episode, Ryan pulls back the curtain on why buying a house first could be your biggest mistake . Learn how DSCR loans work, what ratios matter, and why numbers, not opinions, should drive your decision. 🎙️ Listen in if you want practical strategies, raw truth, and a faith-driven mindset for building a portfolio that lasts.

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...

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 epis...

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 do...

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 & penalti...

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...

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 a...

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 personall...

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 myth...

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. ✅...

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 breat...

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 t...

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 we...

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...

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 ca...

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...