SEI Mortgage Podcast

Ryan Marks

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. 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

    5 min

  2. 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

    11 min

  3. APR 20

    EP.22 - How to Buy Your Dream Home BEFORE Selling Your Current House | Bridge Loans Explained

    You're about to lose your dream home because you haven't sold your current one. But what if there's a way to buy now and sell later? In this episode, Ryan Marks breaks down exactly how bridge loans work and how homeowners can use them to upgrade without the pressure of selling first. WHAT IS A BRIDGE LOAN? A bridge loan is a short-term loan that bridges the gap between selling your current home and buying your new one. It lets you: HOW BRIDGE LOANS WORK: The lender calculates your loan based on: Value of your current homeValue of your new homeOutstanding loan balance on current propertyMaximum loan-to-value (LTV) is typically 75%KEY QUESTIONS TO ASK: 1. What's my maximum loan amount based on my equity? 2. What are the rates and fees? 3. How long is the bridge period? 4. What happens if my house doesn't sell? 5. Can I get both properties at the same time? TIMESTAMPS: 0:00 - Hook: You're about to lose your dream home... 0:30 - What is a Bridge Loan? (Definition) 2:15 - How Bridge Loans Work (The Math) 4:00 - Bridge Loan Example: $1M → $2M Property 6:30 - Maximum Loan-to-Value (75% Rule) 8:00 - Who Can Get a Bridge Loan (Not Just Investors) 10:00 - Key Questions to Ask Your Lender 12:00 - When to Use a Bridge Loan (When it Makes Sense) 14:00 - Final Tips & Call to Action 🎯 READY TO EXPLORE BRIDGE FINANCING? Schedule a free consultation with Ryan Marks to discuss your specific situation and see if a bridge loan is right for you. Visit www.seimortgage.com Ryan Marks is a mortgage professional specializing in bridge loans, creative financing, and helping homeowners navigate the buying/selling process. NMLS #519138 #BridgeLoan #HomeBuying #RealEstateTips #MortgageAdvice #BuyAHome #DreamHome #Homeowner #FirstTimeHomeBuyer #HowToBuyAHouse #MortgageEducation #HomesForSale #RealEstateAdvice #SeIMortgage 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, financial, tax, or real estate advice, a commitment to lend, or an offer, quote, or guarantee of loan terms. Loan guidelines, program availability, rates, and qualification methods, especially for Non-QM programs — can change at any time.

    6 min

  4. APR 2

    EP.21 - How BRRRR Investors Cash Out in 3 Months (No 6-Month Seasoning Required)

    Most investors don't know their equity is locked until it's too late. If you're waiting the standard 6 months to refinance and pull cash out of your investment property, you're leaving capital on the table — and slowing down your ability to scale. In this episode, Ryan Marks breaks down exactly how DSCR and Non-QM mortgage strategies let real estate investors access their equity in as little as 0–3 months — no tax returns, no W2s, no waiting on outdated bank guidelines. 📞 Ready to run your numbers? Call or text: 1-800-401-1363 🌐 Learn more: https://seimortgage.com What you'll learn in this episode: • Why the 6-month seasoning rule exists — and the legal strategy to work around it • How DSCR loans qualify you based on property income, not personal income • A real BRRRR example: $100K purchase → $300K ARV → fast cash-out refi • What lenders actually require: LTV ratios, appraisals, and proof of rehab • How to structure deals so you can recycle capital and keep scaling your portfolio Episode Timestamps: 0:00 — Why Your Equity Is Locked (6-Month Rule Explained) 0:22 — How to Access Equity in 0–3 Months (No Seasoning Strategy) 1:21 — Real BRRRR Example: 100K → 300K Property Breakdown 3:35 — Requirements to Cash Out Early (LTV, Appraisal, Proof of Work) 4:48 — How to Structure the Deal + Maximize Cash Flow 5:49 — How to Get Started + Run Your Numbers Who this episode is for: This episode is built for real estate investors, BRRRR buyers, and anyone who owns investment property and wants to stop leaving money tied up in deals. Whether you're self-employed, running a business, or just don't fit the traditional bank mold — Non-QM and DSCR strategies exist specifically for you. Connect with Ryan: Instagram (SEI Mortgage): https://www.instagram.com/seimortgage/ Instagram (Ryan): https://www.instagram.com/ryan_j_marks Facebook: https://www.facebook.com/ryan.marks.79025648/ Subscribe/follow for new episodes every week. --- 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, financial, tax, or real estate advice, a commitment to lend, or an offer, quote, or guarantee of loan terms. Loan guidelines, program availability, rates, and qualification methods, especially for Non-QM programs — can change at any time. Examples given are hypothetical. Always consult with a licensed mortgage lender, CPA, financial advisor, or attorney before making financing decisions. Not affiliated with Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. The Turkey Foundation, Inc. | 1805 E Garry Ave, Santa Ana, CA 92705 | Equal Housing Lender

    6 min

  5. MAR 26

    EP.20 - DSCR Loans for 5+ Units - A Different Game Than 1-4 Unit Financing

    Think DSCR loans are one-size-fits-all? Think again. Once you cross into 5-unit and above territory, the rules change — and so do the opportunities. In this episode, we break down how DSCR financing works for 5+ unit residential properties and why it's a completely different product than the 1-4 unit DSCR loans most investors are familiar with. From how lenders underwrite the deal to how debt coverage ratios are calculated across a larger rent roll, we walk you through what to expect and what lenders are really looking at. We also share a real-life client example of someone who used a 5+ unit DSCR loan to acquire a property, showing you exactly what the numbers looked like — purchase price, payment options, and how the debt service coverage ratio played out in practice. Plus, we dive into why interest-only payments can be a game changer for investors working to stabilize a property. When you're filling vacancies, making improvements, and pushing rents to market, that lower monthly obligation gives you breathing room and more cash flow right when you need it most. Whether you're scaling from a fourplex into your first small apartment building or actively shopping for 5+ unit deals, this episode gives you the financing playbook. For additional resources, loan scenarios, or to connect with our team directly, visit us at www.seimortgage.com. ⭐ If this episode helped you, SUBSCRIBE, leave a 5-star review, and share it with a fellow business owner or investor who needs to hear this! 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

    12 min

  6. MAR 19

    EP.19 - Profit & Loss Loans Explained: How Self-Employed Borrowers Get Approved Without Tax Returns

    We break down one of the most powerful non-QM loan products available today: the Profit and Loss (P&L) Loan. If you own a cash-heavy business—like a nail salon, restaurant, auto shop, or any service-based operation—and your tax returns don’t reflect your true income, this episode is for you.  Whether you’re looking to purchase your first home, refinance existing debt, or invest in real estate, this episode breaks down exactly how the P&L loan works, what you need to qualify, and why non-QM lending is no longer “subprime  What You’ll Learn in This Episode: • What a Profit & Loss (P&L) loan is and how it works for self-employed borrowers • Why traditional banks and even bank statement loans fall short for cash-heavy businesses • The difference between audited vs. unaudited P&L statements and how they affect your rate • Real success story: Nail salon owner qualifies for a $1.4M home purchase with a P&L loan • How a P&L cash-out refinance helped a business owner eliminate $2,500/month in credit card debt • Down payment requirements, credit score guidelines, and rate factors for non-QM P&L loans • How to use business funds for your down payment and closing costs Whether you’re self-employed, a real estate investor, or a business owner who’s been turned down by traditional lenders—we specialize in finding the right loan for your situation. 🌐 Visit us: https://seimortgage.com/ 📞 Schedule a free consultation to see if a Profit & Loss loan, bank statement loan, DSCR loan, or other non-QM product is right for you. https://calendly.com/ryan-elendingteam/self-employed-or-investor-consultation ⭐ If this episode helped you, SUBSCRIBE, leave a 5-star review, and share it with a fellow business owner or investor who needs to hear this! 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

    22 min

  7. MAR 12

    EP.18 - Do Not Get a DSCR Loan Until You Know This

    DSCR loans have quickly become one of the most powerful financing tools for real estate investors and self-employed borrowers, but they also come with hidden traps that can cost you tens of thousands of dollars if you don’t understand how they work. In this episode of the SEI Mortgage Podcast, Ryan Marks breaks down the real pros and cons of DSCR loans so you know exactly when this investment property loan strategy works—and when it doesn’t. If you are building a rental portfolio, buying investment property, or struggling to qualify for traditional mortgages because of tax write-offs, this episode will show you how DSCR loans allow investors to qualify using property cash flow instead of personal income or tax returns. Key Moments in This Episode00:00 – The truth about DSCR loans most investors miss  01:02 – What a DSCR loan actually is  02:15 – Why traditional mortgages fail self-employed investors  04:10 – How DSCR loans use rental income instead of tax returns  05:20 – Why DSCR loans don’t affect your personal debt-to-income ratio  06:30 – The unlimited rental property advantage  07:35 – Buying investment properties in an LLC  08:50 – Can you buy your first rental property with a DSCR loan?  09:45 – How investors buy rental properties with as little as 10% down  11:05 – The hidden fees in DSCR loans  12:15 – Why DSCR interest rates are slightly higher  13:10 – Prepayment penalties explained  15:10 – How to calculate if a prepayment penalty makes sense  17:20 – The biggest DSCR mistakes investors make  18:20 – How smart investors structure DSCR loans correctly Use our free DSCR calculator (no email required): https://seimortgage.com/dscr-calculator/ Explore more tools, resources, and non-QM mortgage strategies for real estate investors and self-employed borrowers at: 🌐 https://seimortgage.com 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. 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

    13 min

  8. MAR 5

    EP.17 - The Mortgage Strategy Banks Don’t Talk About: How to Lower Your Payment Without Refinancing (Recast Explained)

    Did you know there’s a way to lower your mortgage payment without refinancing, without changing your interest rate, and without re-qualifying? In this episode of the SEI Mortgage Podcast, Ryan Marks breaks down one of the most overlooked mortgage strategies available today, the mortgage recast. This is the mortgage move banks rarely advertise. A mortgage recast allows you to make a lump sum principal payment and then have your lender re amortize your loan, lowering your monthly payment while keeping your original interest rate and terms intact. No new loan. No credit check. No income verification. No closing costs. We cover: • What a mortgage recast is and how it works  • How to lower your mortgage payment without refinancing  • Why this strategy is powerful in retirement  • How investors can increase rental property cash flow  • How to buy a new home non-contingent and recast later  • Minimum principal reduction requirements  • Why you don’t lose your low interest rate  • The difference between paying off early vs. recasting If you locked in a 2%, 3%, or 4% interest rate and don’t want to refinance into today’s higher rates, this strategy could be a game changer. Whether you’re W2, self-employed, retired, or a property investor, this episode explains how to restructure your payment the smart way — without giving up your current loan. For more mortgage strategies and creative lending solutions, visit:  👉 https://seimortgage.com Remember — let your income work smarter, not harder!  ⏱ Key Moments & Timestamps 0:00 – The Mortgage Strategy Banks Don’t Advertise How to lower your payment without refinancing or losing your rate. 0:40 – What Is a Mortgage Recast? The simple explanation most homeowners don’t know. 1:30 – Paying Off Early vs. Recasting (Big Difference) Why extra principal payments don’t automatically lower your payment. 2:20 – How Re-Amortization Actually Works What happens when your lender recalculates your remaining balance. 3:05 – #1 Reason to Use a Mortgage Recast (Retirement Strategy) Lowering fixed expenses when transitioning to fixed income. 4:05 – Using a Recast for Rental Property Cash Flow How investors can improve positive cash flow instantly. 4:45 – The Non-Contingent Offer Strategy Buy with minimal down, sell your home, then recast to lower payment. 5:40 – Minimum Principal Requirements (Fannie/Freddie Guidelines) Typical $10,000 minimum reduction and how to request it. 6:15 – No Requalification Required Why you keep your original mortgage terms and interest rate. 6:45 – Final Pro Tip & When to Call Your Servicer Tools and Resources Visit seimortgage.com for calculators, loan guides, and investor resources. Or calculate your property to see if it works for a DSCR loan: https://seimortgage.com/dscr-calculator/ 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 t

    7 min
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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
    25
  • Rating
    Clean
  • Copyright
    © 2026 SEI Mortgage Podcast
  • Show Website
    SEI Mortgage Podcast