In this episode of the Paper Trail Podcast, Chris Seveney breaks down the most common misconceptions surrounding DSCR (Debt Service Coverage Ratio) loans. Whether you’re a first-time real estate investor or looking to scale your portfolio, this no-fluff episode is packed with insights that could save you time, money, and frustration.

00:00 Introduction and Overview

01:04 Understanding DSCR Loans

01:55 Myth 1: Credit Score Doesn't Matter

04:13 Myth 2: 100% Financing

05:56 Myth 3: Only for Commercial Properties

07:55 Myth 4: No Documentation Required

10:06 Myth 5: Funding Rehabs or Fix and Flips

11:59 Myth 6: Quick Closures

13:31 Myth 7: Prepayment Penalties

18:11 Conclusion and Final Thoughts