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

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.

00:00 – 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

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