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

Let's break down a real success story where a real estate agent and investor were denied conventional financing… but still closed on their next investment property using a DSCR loan (Debt Service Coverage Ratio loan).

If you’re self-employed or building a real estate portfolio, this episode is a must listen.

We unpack:

• Why traditional lenders deny investors with strong portfolios
• How tax write-offs can hurt your mortgage approval
• What a DSCR loan is and how it works
• How to qualify using rental income only
• Why you don’t need tax returns or personal income documentation
• How investors can buy with as little as 15–20% down
• Why being told “no” by one lender doesn’t mean the deal is dead

This real-world case study shows how an investor with multiple properties, large down payment, and strong cash flow still couldn’t qualify conventionally, but secured financing in under 30 days using rental income to qualify instead of personal income.

If you’re a:

• Real estate investor first time or experience
• Realtor building your own portfolio
• Self-employed borrower
• Landlord with multiple financed properties
• Investor who has hit the Fannie/Freddie 7–10 property limit

This episode will change how you think about investment property financing.

💡 DSCR loans don’t use tax returns.
💡 No traditional debt-to-income calculation.
💡 Qualification is based on the property’s rental income.
💡 Properties can be vested in an LLC.
💡 No limit on the number of DSCR loans with many lenders.

There is almost always a solution — you just have to be working with someone who understands the full lending landscape.

🧮 Tools & Resources

Explore DSCR loan tools, calculators, and investment resources:
👉 https://seimortgage.com/dscr-calculator/

Get in touch with us:
Phone: 1-800-401-1363

Let your income work smarter — not harder!

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 - 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

In this episode of the SEI Mortgage Podcast, Ryan Marks sits down with Halsted Knutson, Private Wealth Advisor with ClearPath Wealth Management, to break down the intersection of smart lending strategies and long-term wealth planning for self-employed business owners, entrepreneurs, and real estate investors.

The conversation goes far beyond “retirement.” Instead, we unpack what it really means to become financially secure — without becoming a burden on your family or risking running out of money later in life.

In this episode, we discuss:

• The shift from “retirement planning” to financial security planning
• Why liquidity is critical for business owners and real estate investors
• How tax strategy impacts long-term wealth accumulation
• The importance of diversifying between taxable, tax-deferred, and tax-free accounts
• Why small business owners must plan their exit strategy 5–7 years in advance
• How estate laws differ by state and why that matters
• Why building a financial team (CPA, lender, advisor, estate attorney) is essential

Halsted shares real world insight into how high-income earners and entrepreneurs can protect their wealth, structure investments intelligently, and create a runway that lasts decades, even in uncertain tax environments.

If you’re self-employed, scaling a business, investing in real estate, or thinking about your long-term financial future, this is a powerful episode that will help you think differently about money, security, and strategy.

Connect with Halsted Knutson:

📞 - 651.200.3455

🌐 - https://www.ameripriseadvisors.com/team/clearpath-wealth-management/financial-advice-team/halsted.knutson/

📧 - Halsted.Knutson@ampf.com

For more lending strategies built specifically for self-employed borrowers and real estate investors, visit:
👉 https://seimortgage.com

Let your income work smarter, not harder.

Thinking about buying your next rental property? Before you submit an offer, you need to know one thing — will it actually cash flow?

In this episode of the SEI Mortgage Podcast, Ryan Marks walks you step-by-step through how to use the free DSCR calculator on SEIMortgage.com to analyze your investment property before ever speaking to a lender.

If you’re a real estate investor or building a rental portfolio using DSCR loans, this episode shows you how to calculate:

• Debt Service Coverage Ratio (DSCR)
• Monthly mortgage payment vs rental income
• How lenders evaluate DSCR mortgage deals
• What happens if the property doesn’t hit a 1.0 ratio

Unlike traditional mortgages, DSCR loans do not use personal income, tax returns, or debt-to-income ratios. Approval is based primarily on the property’s rental income. That makes this one of the most powerful non-QM mortgage strategies for investors in 2026.

Before you buy your next investment property, run the numbers yourself.

Use the FREE DSCR Calculator (no email required) here:
👉 https://seimortgage.com/dscr-calculator/

Want more strategies on real estate investing, non-QM loans, bank statement loans, and creative mortgage solutions?
Visit: https://seimortgage.com

If you’re serious about scaling your rental portfolio with smart financing, this episode is a must-watch.

Inheriting real estate in California can be a blessing, or a financial puzzle. When one heir wants to keep the property and another wants to cash out, the wrong move can trigger a property tax reassessment, massive tax increases, or deal-breaking delays.

In this episode of the SEI Mortgage Podcast, Ryan Marks is joined by special guest Dat Nguyen, who shares expert insight into how families can access equity from an inherited property held in a family trust, buy out one beneficiary, and still protect long-term affordability under California property tax rules.

We break down how these transactions are typically structured using two separate lenders, one to facilitate the initial cash-out from the trust, and another to complete the refinance into the individual retaining ownership. This strategy is often overlooked, misunderstood, and incorrectly handled by traditional lenders.

If you’re dealing with inherited property, trust-owned real estate, sibling buyouts, or California tax concerns, this episode is a must-listen.

In This Episode, We Cover:

• How inherited properties in family trusts are handled in California
• Ways to buy out an heir without forcing a sale
• How to access equity while minimizing tax reassessment risk
• Why these deals often require two distinct loan transactions
• Common mistakes families make that cost tens of thousands long-term
• How non-QM and creative financing solutions fit into trust scenarios

🎧 Explore your options and run the numbers at:
👉 www.seimortgage.com

📞 1-800-401-1363

🎧 Subscribe to the SEI Mortgage Podcast for weekly episodes covering real estate investing, STR strategies, and mortgage solutions built for self-employed borrowers and investors.

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 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 continue to be one of the most powerful financing tools for real estate investors, especially as we head into 2026. If you’re building a rental portfolio, investing in long term or short term rentals, or tired of traditional lenders analyzing your personal income, this episode is for you.

In this episode of the SEI Mortgage Podcast, Ryan Marks breaks down DSCR loans, also known as Debt Service Coverage Ratio loans, and explains how investors qualify based on property cash flow instead of tax returns, W-2s, or personal debt to income ratios.

You’ll learn how DSCR lending is evolving for 2026, what lenders are looking for, and how smart investors are using these programs to scale faster while keeping their personal finances separate from their properties.

This episode covers:
• What a DSCR loan is and how it works
• How rental income is used to qualify instead of personal income
• DSCR ratio requirements and no-ratio options
• DSCR loans for long term and short term rentals
• How to Debt Coverage even if rents don't
• Common mistakes investors make when analyzing cash flow

Ryan also walks through how to use the SEI Mortgage DSCR Calculator, a free tool with no email required, so you can quickly estimate whether a property qualifies before making an offer.

👉 Use the free DSCR calculator featured in this episode here:
https://seimortgage.com/dscr-calculator/

If you’re serious about investing with smarter financing strategies, this episode will help you understand how DSCR loans can unlock more opportunities in 2026 and beyond.

🎧 For more education on DSCR loans, non QM mortgages, bank statement loans, and investor financing strategies, visit https://seimortgage.com
and explore the full SEI Mortgage Podcast library.