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.

Closing costs confuse most buyers and cost people thousands of dollars simply because they do not understand them.

In this episode of the SEI Mortgage Podcast, Ryan Marks does a live screen share and walks through a Closing Disclosure to explain exactly what closing costs are when buying a home, where the numbers come from, and which fees matter most for buyers, self employed borrowers, and real estate investors.

This episode breaks down lender fees, title and escrow charges, prepaid items, taxes, insurance, and reserves so you can clearly see how your total cash to close is calculated. We also explain how closing costs differ when buying a primary home versus a rental property, and how self employed buyers using Non QM loan programs should review these figures before signing.

If you are buying a home, purchasing a rental property, or simply want to understand your mortgage paperwork before closing day, this episode gives you a clear, no nonsense explanation using real numbers and a real example.

In This Episode:

• What closing costs are when buying a home
 • How to read and understand a Closing Disclosure
 • Lender fees versus third party fees
 • Prepaid taxes, insurance, and escrow accounts explained
 • Closing costs for self employed borrowers
 • Differences between primary residence and rental property closings
 • How to avoid surprises at the closing table

Tools and Next Steps

For tools, resources, and help reviewing your loan figures, visit www.seimortgage.com.
If you are buying a home or investing in real estate and want guidance, get in touch with us to review your scenario and options.

Fix and flipping real estate can be extremely profitable, but it can also be one of the fastest ways to lose money if you buy the wrong deal. The difference between success and failure almost always comes down to how the deal is sourced, analyzed, renovated, and financed.

In this episode, Ryan Marks is joined by Brad Hansen of ENRG Realty, an experienced Los Angeles based investor and agent who specializes in sourcing, renovating, and flipping properties for strong returns. Brad shares how successful investors evaluate opportunities, spot potential issues early, and protect their margins before ever submitting an offer.

Whether you are preparing for your first fix and flip or expanding an existing investment business, this episode delivers a practical, straightforward breakdown of what works, what does not, and how to avoid common pitfalls.

In This Episode:

• How experienced investors source fix and flip deals

 • Why MLS deals can work when analyzed correctly

 • What red flags to look for before making an offer

 • How renovation scope and timelines impact profit

 • Why buying properties in worse condition can lead to better returns

 • The importance of involving a contractor early

 • How to avoid overpaying and protect your margin

 • Common mistakes that turn good flips into bad deals

Use our free scope of work calculator to enter rehab costs, calculate your margins, and see if a property is a winner before making an offer.
 https://seimortgage.com/scope-of-work-tool-calculator/

Explore additional tools and resources or get in touch with us at www.seimortgage.com to learn more about fix and flip financing, investor loan options, and Non QM programs.

Get in touch with Brad Hansen to discuss fix and flip opportunities or work with an investor focused agent in the Los Angeles market, you can reach him directly at:  

Email: [email protected]

website: www.brad-hansen.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 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 walks you through exactly how bank statement income loans work and how lenders calculate income using only your bank statements instead of tax returns. 

You’ll get a step by step screen share demonstrating how to calculate your own qualifying income using the SEI Mortgage free Bank Statement Calculator

This episode is perfect for:
 • Self employed home buyers
 • Business owners with heavy tax write offs
 • 1099 earners and gig workers
 • Real estate investors looking to purchase or refinance
 • Anyone exploring non traditional mortgage options

What you’ll learn:
 • How bank statement mortgage loans calculate income
 • The difference between taxable income and qualifying income
 • How lenders review 12 to 24 months of deposits
 • How to estimate your buying power before speaking with a lender
 • What an expense factor is 

If you’ve been told no by a bank because of your tax returns, this episode will show you a smarter way forward using alternative income mortgage programs built for self employed borrowers.

👉 Use the same calculator featured in this episode here:
 https://seimortgage.com/bank-statement-calculator/

🎧 Want more strategies for self employed mortgages, bank statement loans, DSCR loans, and non QM lending?
 Visit https://seimortgage.com or listen to the full SEI Mortgage Podcast for weekly education designed for real world earners.

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

Short-term rentals can be one of the fastest ways to build cash flow in real estate, if you buy the right property. In this episode of the SEI Mortgage Podcast, we’re joined by special guest LC Beh of Strive Realty, a top-producing agent in the Los Angeles market and a longtime friend of the show.

LC breaks down how successful investors identify short-term rental opportunities before they buy, what separates high-performing STRs from underperforming ones, and how to navigate today’s market where location, regulations, and numbers matter more than ever.

We cover:

• How to identify STR-friendly markets and neighborhoods
• What to look for in a property before making an offer
• How layout, zoning, and location impact nightly revenue
• Common mistakes new STR investors make and how to avoid them
• How to launch and position a short-term rental for long-term success

We also touch on tax strategy, including how bonus depreciation may allow short-term rental owners to accelerate deductions and improve after-tax cash flow when structured correctly. This is an area where smart planning can significantly impact your returns.

👉 Learn more about investor strategies, bonus depreciation, and financing insights here:
https://seimortgage.com/bonus-depreciation-explained-for-real-estate-investors-2025-to-2026-guide/

Guest Information

LC Beh, Realtor | Strive Realty
📍 Los Angeles Market
📞 626.487.8827
📧 [email protected]

🌐 https://www.theagentlc.com/

Financing Your Short-Term Rental

The right property is only half the equation. At SEI Mortgage, we specialize in financing short-term rental properties for self-employed borrowers and real estate investors using solutions like DSCR loans, bank statement programs, and other Non-QM options, often with no tax returns required.

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

A mortgage preapproval carries real weight, while a prequalification letter often does not, and that difference can determine whether your offer is accepted or ignored.

In this episode, Ryan Marks breaks down the critical differences between a mortgage preapproval and a prequalification letter, why sellers and listing agents demand a true preapproval, and how many buyers unknowingly lose homes by submitting weak prequal letters.

We explain what documentation lenders actually review for a preapproval, why prequalification letter are often based on unverified information, and how buyers can still obtain a strong preapproval using Non QM loan programs, even if they are self employed, have variable income, or do not qualify under traditional lending guidelines.

This episode also covers how Non QM preapprovals work, what documents are required, and how having the right letter can strengthen your negotiating position in competitive markets.

If you are serious about buying a home, this episode explains why a real preapproval is not optional, it is essential.

In This Episode:

• What a mortgage preapproval is and why it matters
 • What a prequalification letter is and why it carries little weight
 • Key differences sellers and agents look for in a preapproval letter
 • How lenders verify income, assets, and credit for a true preapproval
 • Getting preapproved using Non QM loan programs
 • Options for self employed and alternative income borrowers
 • How the right preapproval strengthens your offer and negotiating power

Tools and Resources

Visit https://www.seimortgage.com for Non QM loan programs, preapproval resources, and tools for homebuyers.

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

If you own a home or investment property, there is a good chance you are sitting on equity you do not even realize you can access. Many homeowners and real estate investors assume equity can only be used through a traditional refinance, but that is not always the best option.

In this episode, Ryan Marks breaks down HELOCs and HELOANs, how they work, and how self employed borrowers and investors can access equity without refinancing their existing mortgage. We explain the difference between a home equity line of credit and a home equity loan, how payments are structured, and when each option makes the most sense.

This episode also covers how Non QM equity programs allow borrowers to qualify using bank statements, DSCR, or alternative income documentation, making it possible to tap into equity even if you do not qualify under traditional lending guidelines.

Whether you are looking to consolidate debt, fund renovations, purchase another property, or access cash for business or investment purposes, this episode explains how to unlock equity while keeping your long term financing strategy intact.

In This Episode:

• What a HELOC is and how a home equity line of credit works
 • What a HELOAN is and how it differs from a HELOC
 • How to access equity without tax returns or traditional income documentation
 • When to use a HELOC versus a HELOAN
 • Accessing equity without refinancing your first mortgage
 • How self employed borrowers qualify using Non QM programs
 • Using bank statements or DSCR to qualify for equity products
 • Common use cases including renovations, investments, and debt consolidation
 • Risks and considerations when tapping into home equity

Tools and Resources

Visit https://www.seimortgage.com
for equity calculators, Non QM program guides, and resources for self employed borrowers and real estate 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 - 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

If you're self employed or earning 1099 income, you already know the struggle of qualifying for a mortgage with traditional lenders. Your CPA uses legal write offs to reduce your taxable income, but banks rely on that reduced number to decide whether you qualify. The result is the same problem many entrepreneurs face. You are successful in your business, yet the bank still says you do not qualify.

In this episode, Ryan Marks breaks down the Profit and Loss Loan, one of the most powerful Non QM mortgage programs for self employed and 1099 borrowers. Instead of using your tax returns, lenders qualify you based on a professionally prepared year to date P and L statement, supported by 12 months of bank statements. This makes it possible for business owners, contractors, and entrepreneurs with strong revenue but low taxable income to finally get approved for a home loan.

You will learn how lenders calculate income from your P and L, why no tax returns, W2s, or pay stubs are required, and how this loan helps self employed buyers qualify for a home or refinance without the strict guidelines used in conventional lending. We also cover documentation requirements, qualification basics, and how this program works for primary homes, second homes, and investment properties.

If you have ever been told your tax returns do not show enough income, this episode explains why the Profit and Loss Loan may be the best path to homeownership for self employed borrowers and 1099 earners.

In This Episode:

• What the Profit and Loss Loan is and how lenders calculate usable income
 • Why no tax returns, W2s, or pay stubs are needed to qualify
 • Documentation requirements for self employed and 1099 borrowers
 • How this loan helps business owners with high revenue and low taxable income
 • Using a P and L mortgage for purchase, rate term refinance, or cash out

Tools and Resources

Visit https://www.seimortgage.com
for Non QM loan programs, calculators, and resources for self employed and 1099 borrowers.

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