SEI Mortgage Podcast

Ryan Marks
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  • Education

SEI Mortgage is the podcast dedicated to helping self-employed borrowers and real estate investors get the financing they need, even when traditional banks say no. We unpack Self-Employed & Investor mortgages, practical solutions designed for people whose income or goals don’t fit into the traditional lending box. Each episode explores loan options like: Bank Statement Mortgages 1099 Income Loans Profit & Loss Programs DSCR Loans for Investors Alternative & Creative Financing Options Discover smart mortgage solutions and explore all the options available.  Visit @ https://SEIMortgage.com for all episodes, articles, tools, and additional resources. NMLS #519138

  1. Aug 21

    Is a Fourplex a Commercial Loan? DSCR on 1 to 4 Units

    A fourplex does not push you into commercial financing. The residential line sits at 5-units, and everything below it keeps the DSCR playbook you already know. This episode breaksdown a 4-Plex at a $650,000 purchase price, runs the debt service coverage ratio on it, then runs it again after losing a tenant to show what 4 rent checks actually protect you from. 👉 Run your numbers free: https://seimortgage.com/dscr-calculator 📋 Ready to apply: https://seimortgage.com 📞 Or call: 1-800-401-1363 ⏱ CHAPTERS: 0:00 Does a fourplex become a commercial loan 0:35 Four rent checks beat one 2:15 Rehab one unit while the others pay 3:10 Where residential ends and commercial begins 4:15 What changes at five units and above 5:00 Real deal: a $650,000 fourplex 6:15 Running the DSCR 6:55 What happens when a tenant leaves 7:40 LLC vesting, 30 year fixed, and 40 year interest only 8:35 When the property does not cash flow 9:30 Recap and next steps 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, 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. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency.

  2. Aug 14

    How Much House Can You Afford on 100k Income

    If you make $100,000 a year self employed, a lender does not qualify you on that number. It qualifies you on what is left after your write offs. Two borrowers with identical income can end up with very different approvals. This video walks the math with a hypothetical example based on 20% down payment.  Book a consult: https://calendly.com/ryan-elendingteam/self-employed-or-investor-consultation Apply: https://seimortgage.com/apply Chapters 0:00 Why $100k self employed is not $100k 0:45 Gross income vs qualifying income 2:30 Hypothetical two borrower example 4:15 How debt to income sets your payment 5:15 If it reports on credit, it counts 6:15 Four ways to qualify (guidelines vary) 8:45 What to do next Ryan Marks, NMLS 519138. Equal Housing Lender. SEI Mortgage is a marketing brand. Loans are originated through Everyday Lending Group. This is not tax, legal, or financial advice. Not an offer to lend. Program guidelines vary by lender and by file. Examples are hypothetical and assume 20 percent down with estimated taxes and insurance. 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

  3. Jul 16

    DSCR Loan vs Conventional: Which Really Costs Less?

    DSCR loan vs conventional loan: which one actually costs less for your rental property? The interest rate on a DSCR loan usually looks higher on paper, but once you factor in conventional pricing adjusters and the prepayment penalty lever, the math often flips. Ryan Marks explains how investors can structure a DSCR loan for the long term and stop obsessing over the wrong number. In this episode: Why conventional investment property loans aren't as cheap as they lookHow DSCR loans qualify on rental cash flow instead of tax returnsDown payment differences, loan limits, and financing up to 12 unitsStep prepays vs flat prepays and how they lower your rateThe refinance breakeven math most investors never runSee what you qualify for at seimortgage.com Ryan Marks | NMLS #519138 | SEI Mortgage | Equal Housing Lender. Educational content only, not a commitment to lend.

  4. Jul 9

    How DSCR Loans Work: Qualify With Rent, Not Tax Returns

    How do DSCR loans work? In this episode of the DSCR miniseries, Ryan Marks walks through the exact math lenders use to qualify you based on the property's rent instead of your tax returns, using a real 300k purchase example, plus the features that make DSCR loans the go to tool for scaling a rental portfolio. You'll learn: How to calculate your debt coverage ratio and the number you need to qualifyWhat happens if your ratio falls below 1.0 and how to still get financedWhy conventional loans cap you at 10 financed properties while DSCR has no limitHow vesting in an LLC and staying off personal credit protect your buying powerThe appreciation vs cash flow mistake that sinks new investorsRun your numbers with our free DSCR calculator and get in touch: https://www.seimortgage.com Ryan Marks | NMLS #519138 | SEI Mortgage | Equal Housing Lender

  5. Jul 2

    DSCR Loans Explained: 100% of Rent Counts, No Tax Returns

    DSCR loan vs conventional financing: which one is right for your rental property purchase? In this episode of the DSCR miniseries, Ryan Marks explains why investors and self employed buyers choose DSCR loans even when conventional financing looks cheaper on paper, and how to pick the right loan program for your long term portfolio strategy. You'll learn: Why DSCR loans skip tax returns and income docs entirely, and who benefits mostThe loan programs available: 30 year fixed, adjustable rate, and interest only optionsHow conventional loans only count 75 percent of rent while DSCR counts 100 percentWhy reserves and vacancy planning matter before you buyHow bridge financing unlocks equity to grow your portfolioConnect with us and explore tools and resources at https://www.seimortgage.com Ryan Marks | NMLS #519138 | SEI Mortgage | Equal Housing Lender This content is for educational purposes only and is not a commitment to lend. #DSCRLoans #RealEstateInvesting #NonQM #RentalPropertyLoans #SelfEmployedMortgage

  6. Jun 11

    DSCR Loans Explained: Buy Investment Property With NO Tax Returns (2026 Guide)

    Bank said your tax returns don't show enough income? You're not stuck — you're just using the wrong loan. In Episode 1 of our DSCR loan miniseries, I break down exactly how the Debt Service Coverage Ratio (DSCR) loan lets self-employed borrowers and real estate investors qualify using the property's rental income — no tax returns, no W-2s, no pay stubs. After 20+ years in lending, I help investors and business owners who take legal write-offs and "show no income" on paper still buy, refinance, and scale their rental portfolios. In this episode you'll learn: ✅ What a DSCR loan is and why rent — not your income — qualifies you ✅ How the 1:1 debt coverage ratio actually works ✅ Why there's NO limit on financed properties (and no job required) ✅ Fixed, ARM, and interest-only options — with as little as 15% down ✅ How lenders count rent: existing leases vs. market rent appraisals ✅ Cash-out refis and fixed second mortgages without losing your low rate ⏱ CHAPTERS 0:00 – Bank denied you? Why tax returns are the problem  0:16 – What this DSCR miniseries covers  0:46 – What is a DSCR loan? (No income docs required)  1:07 – How the 1:1 rent-to-payment ratio works  1:41 – Unlimited properties, no job needed, invest from day one  2:03 – Loan options: fixed, ARM, interest-only & 15% down  2:33 – How rental income is counted (leases vs. appraisal rent comps)  2:59 – Cash-out refinance + DSCR second mortgages 3:29 – What's next in the series + how to reach us 📲 GET A FREE DSCR LOAN STRATEGY SESSION Thinking about your next purchase or cash-out refi? Let's structure it the right way. 🌐 www.SEImortgage.com — tools, resources, and a quick way to get in touch 📞 Apply or schedule a call directly through the website #DSCRLoan #RealEstateInvesting #NonQM #SelfEmployedMortgage #InvestmentProperty #RentalProperty #NoTaxReturnLoan #MortgageBroker #CashOutRefinance #BRRRR Until then — let your income work smarter, not harder. 💼

  7. May 8

    EP.24 - Top 5 Reasons To Get a Bank Statement Loan In 2026

    Self-employed and getting denied by traditional banks? In this episode, Ryan Marks with SEI Mortgage explains the top 5 reasons to consider a bank statement loan in 2026. Learn how business owners, entrepreneurs, 1099 earners, and real estate investors may qualify using bank statements instead of traditional tax returns. If you are self-employed, own a business, invest in real estate, or have been told no by a traditional bank because your tax returns do not show your real income, a bank statement loan may be worth exploring. For more tools, resources, and mortgage education, visit www.seimortgage.com And if you want to talk through whether a bank statement loan could work for your situation, get in touch with me and the SEI Mortgage team today at: Visit www.seimortgage.com or call 1-800-401-1363 to learn more.  00:00 — Why banks say no to self-employed borrowers  00:42 — The real problem with tax return income  02:10 — How bank statement loans actually work  04:05 — Personal vs. business bank statements explained  06:20 — Down payments, rates, and loan structure  08:10 — Who this loan is actually for  09:30 — How to check eligibility with SEI Mortgage   #BankStatementLoan  #BankStatementMortgage  #SelfEmployedMortgage  #NonQM  #NonQMLoans  #MortgageTips  #SelfEmployed  #BusinessOwner  #Entrepreneur  #RealEstateInvesting  #MortgageBroker  #HomeLoans  #NoTaxReturnMortgage  #1099Income  #InvestorLoans  #SEIMortgage  #RyanMarks  #MortgageEducation  #HomeBuying  #AlternativeMortgage

  8. May 1

    EP.23 - Top 10 Loan Programs For NonQM

    SEI Mortgage breaks down the top 10 Non-QM (non-qualified mortgage) loan programs available right now for self-employed borrowers, real estate investors, 1099 earners, and anyone who doesn't fit the traditional big-bank lending box. If your tax returns don't tell the full story of your real income, this episode is for you. Learn how each program works, who it's built for, and how to use them to qualify based on what you actually earn, not what shows on your adjusted gross. ⏱ TIMESTAMPS 00:00 — Intro: What is a Non-QM loan and who is it for 00:46 — #10: Non-QM Interest-Only loans 01:30 — #9: Foreign National loans 02:16 — #8: Private Money loans 03:00 — #7: Fix and Flip / Hard Money loans 04:01 — #6: Asset Qualifier loans 04:46 — #5: Profit and Loss (P&L) loans 05:45 — #4: 1099 Income loans 07:15 — #2: DSCR (Debt Service Coverage Ratio) loans 09:00 — #1: Bank Statement loans 10:30 — Wrap-up + how to connect 📞 READY TO TALK? Whether you're buying your first investment property, refinancing, or trying to figure out which Non-QM program fits your situation, we'd love to structure a scenario for you. 👉 Visit https://seimortgage.com (https://seimortgage.com/) to get started 📞 Call us direct at 1-800-401-1363 📩 Or reach out anytime to map out your next move If you found this episode useful, follow the show so you never miss a new mortgage strategy breakdown. Share it with a friend, business partner, or agent who needs to hear it. 🎥 Watch the full video on YouTube: https://youtu.be/6o-kTWZwp4A 🔔 Subscribe on YouTube: SEI Mortgage - Ryan Marks #NonQM #MortgageTips #SelfEmployedLoans #DSCR #BankStatementLoan #RealEstateInvesting #1099Loan #FixAndFlip #AssetQualifier #SEIMortgage

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About

SEI Mortgage is the podcast dedicated to helping self-employed borrowers and real estate investors get the financing they need, even when traditional banks say no. We unpack Self-Employed & Investor mortgages, practical solutions designed for people whose income or goals don’t fit into the traditional lending box. Each episode explores loan options like: Bank Statement Mortgages 1099 Income Loans Profit & Loss Programs DSCR Loans for Investors Alternative & Creative Financing Options Discover smart mortgage solutions and explore all the options available.  Visit @ https://SEIMortgage.com for all episodes, articles, tools, and additional resources. NMLS #519138

Information

  • Creator
    Ryan Marks
  • Years Active
    2025 - 2026
  • Episodes
    31
  • Rating
    Clean
  • Copyright
    © 2026 SEI Mortgage Podcast
  • Show Website
    SEI Mortgage Podcast