What Banks Don’t Tell You About DSCR Loans and Hidden Pitfalls Ep 338

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Chasing Financial Freedom

Ryan DeMent

244 episodes

6 days ago

If you're an entrepreneur, small business owner, or side hustler looking for new ways to make money, scale your business, or turn your side hustle into a business, we've got something for you. We'll be interviewing successful entrepreneurs who have turned their dreams into reality. We'll learn how they did it and what they wish they'd known before they started their businesses. Your host, Ryan DeMent, has unique insights built by 25 years of experience in the financial industry and several failed businesses. So if you're looking for new ways to make money, scale your business, or turn your side hustle into a business… then this podcast is for you!

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What Banks Don’t Tell You About DSCR Loans and Hidden Pitfalls Ep 338

Chasing Financial Freedom

15 minutes 10 seconds

4 months ago

What Banks Don’t Tell You About DSCR Loans and Hidden Pitfalls Ep 338

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.