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23 minutes
게스트 인터뷰
스폰서 있음
영어
미국
에피소드 294 개
2021년 3월 29일부터
episodic

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Picture a $900 collection from three years ago on your credit report. Pay it the week before you apply for your next rental loan, and you might drop your score instead of fixing it. This episode walks the three paths some programs look at on a rental file: leave the collection alone, pay it in full…

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Can you get a DSCR loan without tax returns? Yes. With a DSCR loan, the rental property's income qualifies you, not your personal tax return. If you're self-employed, your tax return is built to save taxes, not to buy rentals. In this episode, Ryan walks through an example investor who shows $18,00…
Your $180,000 of equity may turn into only $95,000 of cash on a DSCR cash-out refinance, and that gap lands right when you were counting on the money for your next deal. This episode shows you the math. Take the value, multiply it by the program's loan-to-value cap, and subtract what you owe. Say …
Run the DSCR the way underwriting will before you offer on a rental, so the ratio you close on is the one you live with. In this episode, Ryan opens with one hypothetical rental: a 1.33 DSCR on the spreadsheet that drops to 1.11 once the lender's numbers go in. Same house, same loan, four inputs. H…
Bridge loans explained: how to buy your next rental before you sell the one you already own. Here is exactly how the equity gets unlocked. In this episode, Ryan lays out the entire bridge loan model in the first minute, then walks through each piece. A bridge loan borrows against the equity you alr…
Fix and flip loans for beginners: what you need to fund your first deal, and why you do not need all the cash yourself. Here is how the money really works. In this episode, Ryan lays out the entire fix-and-flip loan model in the first minute, then walks through each piece. A fix and flip loan funds…
DSCR loan requirements: everything you need to qualify for a rental, all five laid out fast. No tax returns, no W-2, no personal income. In this episode, Ryan lays out the complete DSCR loan requirements checklist in the first minute, then walks through each one. A DSCR loan does not care what you …
DSCR loan down payment: how much cash to close you really need on a rental, not just the twenty percent down everybody budgets for. Here is the real number before it costs you a deal. In this episode, Ryan breaks down why twenty percent down was never your real number. Your down payment is one of t…
DSCR loan for Airbnb: how to finance a short-term rental on the property's income instead of your tax returns. This investor's Airbnb cleared $4,200 a month, and the bank still said no. In this episode, Ryan breaks down how a DSCR loan finances a short-term rental when a conventional loan cannot. T…
A first-time investor budgeted $26,000 for his down payment and wired over $38,000 at the closing table. Here is where the extra cash came from. This is Real Deal Audit, the series on Chasing Financial Freedom where Ryan takes a real closing and walks through the math on camera the same way he woul…
면책 조항: 이 페이지에 포함된 팟캐스트와 작품은 Ryan DeMent에서 가져온 것입니다. 이 팟캐스트는 소유자의 재산이며 Listen Notes, Inc.와 제휴하거나 보증하지 않습니다.