Mortgage broker · Podcast host · Real estate developer
You've found the deal. The numbers work. The property cash flows. But somewhere between your spreadsheet and the closing table, you keep hitting a wall. The bank doesn't understand your business model. Your lender promises yes and goes quiet. Your tax returns make a strong cash flow deal look like a bad risk. You know the deal is solid. You know the cash flow is there. You're done letting a broken system tell you otherwise.
Prefer to talk? Call or text 702-860-9019
Real Estate Financing
You found the deal. You ran the numbers. You know it works. Now you need a path to closing that actually fits the way you invest. Explore your options below and find the right loan for where you are right now.
Qualify based on your property's cash flow, not your personal income or tax returns. Built for real estate investors who need speed and flexibility.
Fast capital for time-sensitive deals. Bridge and fix-and-flip loans close in days so you never lose a deal to slow underwriting.
Finance your build from the foundation up. Structured to match your draw schedule with flexible terms for residential and multi-family projects.
Real Deals. Real Investors.
"Seven individual DSCR loans, a 1031 exchange, and a tight timeline. Ryan laid out exactly why a blanket loan would have cost me a 20% break-up fee every time I sold one of the properties. That one conversation saved me real money. He closed all seven in under 30 days, and the rates and costs landed exactly where I needed them."
"I had never owned a property. I was still living with my parents and assumed DSCR was completely out of reach. Ryan found a creative path to get me qualified, walked my family through exactly what it meant for them, and got my first investment deal across the finish line. I would not have gotten there without him."
"I was converting my Indiana home to a rental and buying an Airbnb in Florida at the same time. Ryan triaged the cash-out refinance first to fund the Florida purchase, then worked through an appraisal issue and untangled funds across two LLCs to get both deals closed. Forty-five days, two transactions, zero drama."
You fill this out, you hear back within the hour. No sales team. No runaround. Just a straight answer on your options.
Your submission is in. Expect a real answer on your options within the hour.
Common Questions
The questions every investor asks. Answered honestly, upfront.
You will pay a broker origination fee, lender fees, appraisal, title, and standard closing costs. The same line items on any mortgage. What you will not find is a surprise fee that was not discussed before you moved forward. Before you submit an application, you will know exactly what to expect. Fees vary by loan type, size, and lender. Call or text 702-860-9019 for a straight answer on your specific deal.
Most DSCR loans close in 15 to 30 days. Fix-and-flip and bridge loans can move faster. Ten to 14 days is achievable on clean deals. The variables that slow things down are appraisal turnaround and title work, not underwriting. If you have a deal under contract with a tight timeline, say so upfront and the process gets structured around that from day one.
DSCR loans typically require 20 to 25 percent down for single-family and small multi-family. Some programs allow as little as 15 percent at a higher rate. Short-term rentals and Airbnb properties generally require 25 to 30 percent. Fix-and-flip loans work differently. Up to 90 percent of the purchase price and up to 100 percent of rehab costs depending on the deal and your experience. The best way to find the minimum for your specific situation is to share your deal details and get a real answer.
No. DSCR loans qualify you based on the property's cash flow, specifically whether the rental income covers the mortgage payment. Your personal income, W-2s, and tax returns are not part of the equation. This is exactly why DSCR works for self-employed investors and anyone whose tax returns do not reflect their actual financial strength. The property qualifies. You do not have to prove your income to a bank that does not understand your business model.
Yes, but it takes some creative thinking. Some DSCR lenders require prior property ownership, which creates a catch-22 for first-timers. There are legitimate ways to navigate that requirement, and first-time investors have gotten their first deal done by working through it. If you have never owned property and are wondering whether DSCR is available to you, reach out before assuming the answer is no. The answer might surprise you.
Ryan holds mortgage licenses in Arizona, Ohio, and Indiana for conventional and residential loans. If you're looking at a DSCR or fix-and-flip loan, share your property address and you'll get a call back within the hour to walk you through how to proceed.
Two Shows · One Voice
Whether you are building your real estate portfolio or finding your way through a hard season of life, you deserve conversations that are real. No polish. No pretending. Just honest talk on the two things that shape everything.
Finance & Real Estate
You are building something. You want your money working for you, your deals closing, and a path to real financial freedom. This is where you get the honest conversations about real estate investing, DSCR loans, and the financial moves that actually work.
New episodes every Saturday
Faith & Mental Health
You are carrying something heavy and you are not sure where to take it. This is where you find honest conversations about faith, anxiety, and purpose from someone who is still in the middle of it alongside you. You are not as alone as you feel.
New episodes every Saturday
About Ryan
Ryan DeMent is not someone who figured it all out and is looking back. He is a mortgage broker based in Phoenix, Arizona who is still in the middle of it alongside you. He has helped hundreds of real estate investors get deals funded when traditional lenders said no. Every week he shows up on two podcasts, Chasing Financial Freedom and Chasing Happiness, with the same honesty he brings to every deal. He is also a real estate developer building affordable housing through TruVest in Evansville, Indiana.
No highlight reel. No pretending. Just someone who understands where you are and knows how to help you move forward.
New episode alerts, raw reflections, and real talk on money and faith. Delivered every Saturday morning.
Your Next Step
You have the deal. You have the numbers. All you need now is the right lender in your corner. Drop your info below and get your options within the hour.
No spam. No waiting. You get a real answer within the hour.
Your information is in. Expect a real answer on your options within the hour.