Chasing Financial Freedom

Ryan DeMent
  • 5.0 (52)
  • ENTREPRENEURSHIP
  • UPDATED WEEKLY

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!

  1. 2D AGO

    DSCR Loan Denied? You Fell for the Breakeven Lie Ep 374

    DSCR loan denied? It probably wasn't your credit score. It was the Breakeven Lie — and it's killing deals every single week.As a mortgage broker who has closed hundreds of DSCR loans, I watch investors fall for this trap constantly. They run the napkin math, the numbers look fine at 1.0 DSCR, and then a week before closing, the deal dies. Appraisal done. Inspection done. Money spent. And the deal is gone.Here's the truth nobody is telling you: a 1.0 DSCR ratio is an automatic fail in my book. It means your property barely breaks even — and lenders know it. The real target is 1.25 or higher. That's the Golden Ratio. That's the number that gets deals done, generates real cash flow, and builds a portfolio that actually lasts.In this episode, I break down exactly how lenders calculate DSCR — not the way most investors think, but the way underwriters actually run it. If you're using DSCR loans to build your real estate portfolio, this is the episode you can't afford to skip. 🔑 The Real DSCR Formula (Lender's Version):DSCR = (Gross Monthly Rent × Vacancy Adjustment) ÷ Full PITI + HOAYour goal isn't 1.0. Your goal is 1.25 or higher — every single time.💬 "You're in the business to make money. Make sure every property you add to your portfolio is a true cash-flowing machine from day one. That's how you build a real estate empire that lasts." — Ryan DeMent🎙️ About the Chasing Financial Freedom Podcast:This channel helps real estate investors and entrepreneurs use DSCR loans, smart financing, and proven strategies to build long-term financial freedom. Hosted by Ryan DeMent — licensed mortgage broker, real estate investor, and DSCR loan specialist.

    14 min

  2. MAR 18

    The #1 DSCR Mistake That Kills Real Estate Deals Ep 373

    On paper your DSCR is 1.25+, but the lender’s underwriter comes back with a ratio under 1.0 and your “perfect” deal dies right before closing. In this episode of Chasing Financial Freedom, Ryan DeMent breaks down how DSCR is really calculated—using conservative appraiser rent (1007), true PITI, and vacancy/expense assumptions—and why relying on hopeful rents and rough estimates keeps getting investors denied after they’ve already paid for inspections and appraisals. You’ll learn how to pull realistic rent comps, stress-test expenses, choose the right DSCR lender, and package your deal like a pro so you only pursue properties that will actually get funded instead of spreadsheet fantasies.

    19 min

  3. MAR 11

    Banks Said No? How DSCR Loans Let You Buy Multifamily Without Income Docs Ep 372

    You’ve got a great multifamily deal lined up—but your tax returns, DTI, or “10‑property” limit kill the loan before it starts. In this episode of Chasing Financial Freedom, Ryan DeMent explains how DSCR loans work for multifamily investors, how lenders actually calculate DSCR using NOI and full PITI, what ratios they want to see, and why your credit score, down payment, and reserves still matter even when they ignore your W‑2s and tax returns. You’ll also hear the key pros and cons—higher rates and prepayment penalties versus speed, scalability, and LLC vesting—so you can decide when a DSCR loan is the right tool for your next multifamily purchase and when conventional financing will serve you better.

    17 min

  4. MAR 4

    3 DSCR Loan Myths That Are Killing Your Deals Ep 371

    DSCR loans are powerful tools for scaling a rental portfolio—but they’re also blowing up thousands of deals right before closing. In this episode of Chasing Financial Freedom, Ryan DeMent breaks down three of the biggest DSCR myths: that your personal finances don’t matter, that a 1.0 DSCR guarantees approval, and that you can calculate DSCR using simple gross rent ÷ mortgage math. You’ll learn what lenders actually look for (credit score, reserves, real DSCR thresholds, and NOI-based calculations with full PITI, vacancy, and conservative market rent) so you can underwrite deals like a pro, avoid last‑minute denials, and only spend time and money on properties that will truly get funded.

    18 min

  5. FEB 25

    5 DSCR Loan Red Flags That Cost Investors Thousands Ep 370

    Most investors obsess over getting the lowest DSCR rate and end up paying more once you factor in points, prepayment penalties, and junk fees. In this episode of Chasing Financial Freedom, Ryan DeMent walks through five critical red flags hiding inside DSCR loan offers: bad rate‑plus‑points tradeoffs, prepayment penalties that don’t match your hold strategy, inflated or bogus fees, sloppy DSCR calculations, and the mistake of only getting one quote. If you’re using DSCR loans to build your rental portfolio, this episode will show you how to read loan estimates like a pro, compare offers apples‑to‑apples, and choose the deal that truly costs less over the life of your investment, not just the one with the prettiest rate on the page.

    24 min

  6. FEB 18

    You’ve Been Lied To: 3 DSCR Loan Strategies Banks Don’t Tell You Ep 369

    You don’t need perfect W‑2s or flawless tax returns to build a rental portfolio—but you do need to understand how DSCR loans really work. In this episode of Chasing Financial Freedom, Ryan DeMent explains what DSCR is, why it’s a game-changer for self‑employed and write‑off‑heavy investors, and how to use three key strategies—better deal structure, CEO‑level NOI management, and BRRRR/portfolio refinancing—to protect cash flow, avoid prepayment traps, and scale beyond what your local bank will allow. If you’re tired of hearing “no” from conventional lenders, this playbook will show you how to analyze and structure your next DSCR deal like a pro.

    17 min

  7. FEB 11

    3 Secret DSCR Loan Hacks Investors Miss 🏦 Ep 368

    Most real estate investors use DSCR loans, but very few know how to tweak them to actually protect cash flow and avoid painful surprises. In this episode of Chasing Financial Freedom, Ryan DeMent breaks down 3 secret DSCR loan hacks: underwriting deals with conservative rents so your DSCR holds up when the market shifts, using structure (LTV, DSCR bands, reserves) to improve pricing instead of only chasing rate, and matching prepayment penalties to your real exit plan so you’re not writing a massive check when you sell or refi. If you’re scaling a rental portfolio with DSCR loans, this conversation will change how you analyze, structure, and lock your next deal.

    11 min

  8. FEB 4

    Are Rents Dropping Too Fast for DSCR Loans? Ep 367

    When rents cool off, and your DSCR loan no longer pencils the way it did on paper, what’s your best move: conventional, DSCR, or something else? In this episode of Chasing Financial Freedom, Ryan DeMent breaks down the good, bad, and ugly of conventional vs. DSCR loans, how falling rents and tighter DSCR ratios are exposing weak deals, and what smart investors are doing now with reserves, prepayment penalties, and rent underwriting so they can keep scaling without blowing up their portfolio.

    13 min
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5
out of 5
52 Ratings

About

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!

Information

  • Creator
    Ryan DeMent
  • Years Active
    2020 - 2026
  • Episodes
    263
  • Rating
    Clean
  • Copyright
    © Ryan DeMent
  • Show Website
    Chasing Financial Freedom

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