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What Banks Don’t Tell You About DSCR Loans and Hidden Pitfalls


What banks aren’t telling you about DSCR loans... but I will.

Everyone says DSCR loans are the key to scaling your rental portfolio—without wrecking your credit. But if you follow the wrong lender’s rules, you’ll end up overleveraged, stuck in a deal, and locked in just like a traditional loan.

In this episode, Ryan breaks down the DSCR loan pitfalls no one else is talking about:

W‑2 and DTI myths — it’s not just about income documentation

Cash-flow traps with Airbnb & short-term rentals

Appraisal bias and underwriting changes mid-deal

Cross-default risks with portfolio loans

Hidden prepayment penalties, fees, and liquidity issues

Shifting document requirements and lender frustration

Plus, he shares spiritual clarity on scaling with integrity, not ego.

🔥 If you're tired of being chained by “freedom loans,” this episode is for you.


Chapters
00:00 Introduction to DSCR Loans
00:34 Understanding DSCR Loan Requirements
01:05 Challenges with DSCR Loans
01:40 Unstable Cash Flow and Rental Requirements
04:00 Underwriting and Appraisal Insights
06:31 Portfolio Loans Explained
08:22 Prepayment Penalties and Hidden Fees
11:45 Documentation and Pitfalls
13:07 Final Thoughts and Advice
14:14 Conclusion and Community Engagement