In this episode of the Real Estate Explainer Podcast, Brian Kiczula welcomes Alex Bekeza, an experienced DSCR-focused loan officer and real estate investor. Alex discusses his extensive background in the mortgage industry since 2002, highlighting the shift from conventional financing (Fannie Mae, Freddie Mac) to DSCR loans. He explains the benefits of DSCR loans, such as no requirement for personal income documentation and the reliance on the property's rent to cover PITI. The conversation delves into various strategies for utilizing DSCR loans, including BRRRR, cash-out refinancing, and the advantages of seasoning. Alex also touches on working with hard money loans, the importance of appraisals, and the potential drawbacks like prepayment penalties. Additionally, listeners are introduced to a user-friendly loan pre-qualification calculator available on Alex's website, aimed at simplifying the loan approval process. Throughout the discussion, the focus remains on making real estate investing more accessible and manageable for both seasoned and first-time investors.