Let's break down a real success story where a real estate agent and investor were denied conventional financing… but still closed on their next investment property using a DSCR loan (Debt Service Coverage Ratio loan).

If you’re self-employed or building a real estate portfolio, this episode is a must listen.

We unpack:

• Why traditional lenders deny investors with strong portfolios
• How tax write-offs can hurt your mortgage approval
• What a DSCR loan is and how it works
• How to qualify using rental income only
• Why you don’t need tax returns or personal income documentation
• How investors can buy with as little as 15–20% down
• Why being told “no” by one lender doesn’t mean the deal is dead

This real-world case study shows how an investor with multiple properties, large down payment, and strong cash flow still couldn’t qualify conventionally, but secured financing in under 30 days using rental income to qualify instead of personal income.

If you’re a:

• Real estate investor first time or experience
• Realtor building your own portfolio
• Self-employed borrower
• Landlord with multiple financed properties
• Investor who has hit the Fannie/Freddie 7–10 property limit

This episode will change how you think about investment property financing.

💡 DSCR loans don’t use tax returns.
💡 No traditional debt-to-income calculation.
💡 Qualification is based on the property’s rental income.
💡 Properties can be vested in an LLC.
💡 No limit on the number of DSCR loans with many lenders.

There is almost always a solution — you just have to be working with someone who understands the full lending landscape.

🧮 Tools & Resources

Explore DSCR loan tools, calculators, and investment resources:
👉 https://seimortgage.com/dscr-calculator/

Get in touch with us:
Phone: 1-800-401-1363

Let your income work smarter — not harder!

DISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice Financial advice Tax advice Real estate advice A commitment to lend An offer, quote, or guarantee of loan terms Loan guidelines, program availability, rates, underwriting rules, and qualification methods - especially for Non-QM mortgage programs - can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender