Chasing Financial Freedom

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 i...

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 hel...

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...

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 Decembe...

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 the...

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 wall...

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. •...

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...

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...