Chasing Financial Freedom

• Why Buying a House First Could Be Your Biggest Mistake Ep 346

  Should you buy a home first or start with your first rental? In this episode, Ryan pulls back the curtain on why buying a house first could be your biggest mistake. Learn how DSCR loans work, what ratios matter, and why numbers, not opinions, should drive your decision.🎙️ Listen in if you want practical strategies, raw truth, and a faith-driven mindset for building a portfolio that lasts.

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• Why Your Bank’s DSCR Loan Could Wreck Your Credit Ep 345

  Most investors turn to their local bank or credit union for a DSCR loan, only to get blindsided. Suddenly, they’re asked for tax returns, W2s, pay stubs, and bank statements — and worse, that “DSCR loan” ends up on their personal credit report.In this episode, I break down the truth about DSCR loans:✅ Why banks and credit unions don’t actually offer true DSCR loans✅ How these “fake DSCRs” can wreck your debt-to-income ratio✅ The right way to qualify without sinking your personal credit✅ What to ask your lender before you sign a single documentIf you’re serious about scaling your rental portfolio, you need to know this before your next deal.💬 Drop a comment: Have you ever been asked for W-2s or tax returns on a DSCR loan?👉 Subscribe for more real estate strategies that help you build freedom without wrecking your peace.

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• First Rental vs First Home Most People Get This Wrong Ep 344

  Most people assume buying your first home is easier than buying your first rental, but that’s not true. In this episode, I break down why real estate investors have an easier path with DSCR loans, why the numbers matter more than personal income, and how to avoid the biggest mistakes that lead to negative cash flow.Whether you’re on the fence about buying a home or jumping into rentals, this episode will challenge what you thought you knew about real estate.👉 Listen in, then message me, do you think it’s easier to buy a rental or a home?

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• Maxed Out on Rentals? How DSCR Refinancing Unlocks Unlimited Growth Ep 343

  Hitting the wall with your lender because your debt-to-income ratio is too high? You’re not alone. Most investors max out between 4–10 properties when they rely solely on conventional loans.In this episode, I reveal how DSCR refinancing can pull those loans off your personal credit, free up your DTI, and give you room to grow your portfolio without drowning in paperwork or delays.We’ll break down:How DSCR refinancing works (and why it’s a game-changer)Step-by-step process to convert conventional loans into DSCR loansThe pros, cons, and pitfalls you need to know before you refinanceHow this strategy can help you scale faster and smarterIf you’re ready to stop letting your DTI control your growth, this episode is for you.💬 Let’s talk: Message me on LinkedIn or email me at [email protected] with “DSCR Refi” in the subject line. I’d love to hear your goals and see how I can help you get that next deal closed.

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• Are DSCR Loans The Secret To Growing Your Rental Empire? Ep 342

  Want to own 10+ properties without wrecking your credit or drowning in paperwork?In this episode, I break down how to use DSCR loans creatively, including portfolio and blanket loan options, to scale your rental portfolio faster. We’ll cover:The real difference between portfolio vs. blanket DSCR loansHow to cross-collateralize equity to acquire more propertiesThe hidden costs & penalties you must know before signingWhat lenders look for (and what questions you should ask before working with them)Scaling is good, but reckless scaling isn’t wise. I’ll share how to grow your portfolio with purpose, protect your peace, and avoid the mistakes that keep investors stuck.👉 Have questions about using DSCR loans to scale? Message me, let’s get your deal done.

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