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 to make smarter deals and keep more cash in your pocket.
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 build consistent monthly income through financing
If you want steadier closings and multiple income streams, this episode is your next move.
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 qualify buyers and avoid last-minute financing issues
How to earn money from every conversation you’re already having
If you’re ready to build consistency, grow your business, and stop leaving money on the table, this episode is your roadmap.
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 gives you an edge over other investors.
Listen in and discover:
How DSCR loans can unlock more deals for wholesalers
When to bring financing into your real estate business
The truth about appraisals, timelines, and closing faster
Why 85% of “cash buyers” aren’t truly paying cash
Follow the Chasing Happiness Podcast for real talk about DSCR loans, real estate investing, and building wealth with purpose.
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 get paid
The truth about closing timelines and appraisals
The loan details that can make or break your deal
If you want to scale your portfolio and close more deals without financing nightmares, this one’s for 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 and ready to scale smarter, this one’s for you.
👉 Let me know: Would you use DSCR loans to back your wholesale deals?
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 investors can actually qualify
The hidden limits lenders don’t tell you about
If you’ve ever been told “just trust the process” when it comes to DSCR loans, this episode is your wake-up call.
👉 Drop your biggest DSCR myth in the comments and let’s bust it together.
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 wreck your debt-to-income ratio
✅ The right way to qualify without sinking your personal credit
✅ What to ask your lender before you sign a single document
If you’re serious about scaling your rental portfolio, you need to know this before your next deal.
💬 Drop a comment: Have you ever been asked for W-2s or tax returns on a DSCR loan?
👉 Subscribe for more real estate strategies that help you build freedom without wrecking your peace.
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 you knew about real estate.
👉 Listen in, then message me, do you think it’s easier to buy a rental or a home?
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 why it’s a game-changer)
Step-by-step process to convert conventional loans into DSCR loans
The pros, cons, and pitfalls you need to know before you refinance
How this strategy can help you scale faster and smarter
If you’re ready to stop letting your DTI control your growth, this episode is for you.
💬 Let’s talk: Message me on LinkedIn or email me at rdement@nexamortgage.com with “DSCR Refi” in the subject line. I’d love to hear your goals and see how I can help you get that next deal closed.
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 lenders look for (and what questions you should ask before working with them)
Scaling is good, but reckless scaling isn’t wise. I’ll share how to grow your portfolio with purpose, protect your peace, and avoid the mistakes that keep investors stuck.
👉 Have questions about using DSCR loans to scale? Message me, let’s get your deal done.
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 real lessons I’ve learned as an entrepreneur who’s made these same mistakes and fought to overcome them.
Which of these mistakes are you making right now? Drop a comment and let’s talk about it.
🎧 Listen now and take the first step toward financial freedom.
#Entrepreneurship #MoneyMistakes #BusinessGrowth #MindsetShift
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:
Why most lenders slow you down with outdated requirements
How AVMs (automated valuation models) are changing the game
What kind of deals qualify for this faster process
The documents you’ll still need to get it done
Why equity strategy still matters fast doesn’t mean foolish
If you’re flipping, refinancing, or scaling your rental portfolio, don’t miss this insider strategy.
🎧 Subscribe, leave a review, and share this with an investor who needs a better path to passive income.
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” are—and how they strip your protection
How to vet DSCR lenders and avoid getting stuck in a deal you can’t exit
If you’re a real estate investor using DSCR loans to scale, this is the wake-up call you need.
🔥 Build wisely. Protect your credit. Grow with clarity.
👉 Subscribe and share with someone who needs to hear this truth.
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 documentation
Cash-flow traps with Airbnb & short-term rentals
Appraisal bias and underwriting changes mid-deal
Cross-default risks with portfolio loans
Hidden prepayment penalties, fees, and liquidity issues
Shifting document requirements and lender frustration
Plus, he shares spiritual clarity on scaling with integrity, not ego.
🔥 If you're tired of being chained by “freedom loans,” this episode is for you.
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 investors get stuck—and how DSCR unlocks your next level
How to avoid DTI traps and keep your personal credit clean
The truth about portfolio vs. fake DSCR lenders
How to close in an LLC and protect your future
What God says about building boldly without selling out
If you’re serious about building wealth with purpose and peace, this episode will give you the blueprint.
🎯 Drop “DSCR” in the comments or DM to get my trusted lender list.
🙏 You weren’t made to hustle forever. You were made to build wisely, faithfully, and free.
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 one is for you.
🛠️ What we get into:
How losing one deal nearly took down my business
Why the grind isn’t always freedom
What persistence really looks like when no one’s watching
How I’m using AI to create breathing room in my business
Mindset shifts that brought peace before the profit ever came
Why serving others changes everything
This isn’t just about money. It’s about moving forward when everything says stop. It’s about rebuilding with faith, clarity, and purpose.
💬 DM me if this spoke to you. If you’re carrying it all on your own, you don’t have to.
Press play and let’s walk through this storm together.
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 everything.
You’ll discover:
Why surface-level routines won’t carry you through real pressure
The difference between “checking boxes” and storm-forged discipline
How faith, silence, and one simple habit can rebuild your confidence
Why your biggest delays may be redirecting you to your next breakthrough
The daily practices that helped Ryan rebuild his focus, even when everything felt like it was falling apart
🔔 This episode continues our series on the power of storm seasons in business—and how the right habit in the chaos can shape your future more than any strategy ever could.
🎯 Listener Challenge:
Ask yourself, “What habit is this storm trying to create in me?”
Then commit to that habit for 7 days. Journal it. Own it.
DM Ryan or comment below and let’s build it together.
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 than that—we’re talking about purpose in the storm.
Is this pressure meant to break you, or is it sharpening something deeper?
You’ll hear:
How faith reframes frustration
The danger of “strategy chasing”
Why focusing only on today can be your greatest weapon against anxiety
What my business storm revealed about control, comparison, and calling
🎯 LISTENER CHALLENGE:
Take 5–10 minutes today without a phone or noise and just be still. Then, DM me or comment with how it went. Let’s build stillness into our success.
🔗 For more faith-fueled episodes and tools: www.trutalk.co
