Chasing Financial Freedom

This episode is for real estate investors who feel stuck because banks cap them at one or two properties, and their debt-to-income ratio kills further approvals. Ryan walks through how DSCR loans underwrite cash-flowing rentals instead of your W2, how to avoid low DSCR and appraisal traps, and when to use non-QM DSCR loans instead of conventional financing so you can safely own three solid doors instead of being stuck with one.

Real estate investors using or considering DSCR loans who worry about appraisals blowing up their deals will learn how value, comps, and rent estimates really impact approvals and refis. Ryan breaks down why every strategy—DSCR loans, bank financing, cash purchases, and 1031 exchanges—still depends on appraisals, and how understanding comps, rental neighborhoods, and the 1007 rent schedule can help you price deals correctly, protect your DSCR ratio, and avoid letting low appraisals kill your next investment.

Real estate investors planning 2026 financing who are torn between DSCR loans, local banks, or cash will learn how each option affects approvals, portfolio caps, and personal DTI. You’ll hear what DSCR lenders actually require, how they compare to banks on speed and paperwork, how cash plus delayed financing impacts scaling, and what to consider with prepayment penalties and working with a broker who can shop 200+ lenders.

If you’re winding down 2025 and didn’t hit your DSCR goals, you’re not alone. In this episode of Chasing Financial Freedom, Ryan talks about why so many investors and wholesalers shut down the last 4–6 weeks of the year—and how that decision quietly puts them weeks or even months behind when 2026 starts.​
He breaks down real DSCR timelines from current deals, why most new contracts in late December won’t close until January anyway, and how to use that gap to your advantage by putting deals under contract now, ordering appraisals, and lining up lenders so you open the year with momentum instead of trying to restart a cold engine.​
You’ll also hear why deal flow = revenue = profit, what happens to investors who go dark until March, and how Ryan is approaching 2026 differently—expanding from 1–4 unit DSCR loans into 5–8 units and apartments, and building a bigger team to serve more investors at a higher level.​
If you’ve ever wondered whether it’s worth pushing through the holidays or if you’re thinking about your own 2026 investing goals, this conversation will help you think more strategically about timing, financing, and growth.
If this episode helped you, follow the show, leave a rating or review, and share it with another investor who’s ready to stop coasting through December and start planning for 2026.

DSCR loans in 2026 may be the difference between growing your real estate portfolio and getting capped out by local banks. In this episode, Ryan breaks down how DSCR (debt service coverage ratio) loans let investors keep buying cash-flowing properties without blowing up their personal DTI, even as the market cools and lending tightens.​
You’ll hear a clear refresher on what DSCR loans are, why they’re designed for investment properties and short‑term rentals, and the DSCR ratios you should aim for so you’re not stuck with a deal that doesn’t cash flow when hard money comes due. Ryan also talks about overestimating rents, the importance of your all‑in number, and why a DSCR below 1 is a red flag you should walk away from.​
He shares real-time observations from the Phoenix market—longer days on market, repeated price reductions, and institutional landlords cutting rents on single‑family rentals—and what could happen if hedge funds start unloading properties in 2026. You’ll also hear why tech and AI will be a key edge for investors who want to analyze deals and markets faster.​
If you’re serious about using DSCR loans to scale your investing in 2026, this conversation will help you think more clearly about financing, risk, and opportunity.
If you enjoyed the episode, follow the show, rate it, and share your biggest DSCR or bank‑denial story with us—your experience might help another investor.​