3 Secret DSCR Traps That Bleed Your Rental Income 💸 Ep 366

Many investors think a DSCR loan is a DSCR loan—until overlays, reserves, and prepayment penalties blow up their deal. In this episode of Chasing Financial Freedom, Ryan DeMent breaks down the key differences between local bank “DSCR-style” portfolio loans and true non-QM DSCR lenders, how overlays work in the real world (housing history, VOR, first-time investors), and what you must know about reserves and long-lasting prepayment penalties before you sign. If you use DSCR loans to scale your rental portfolio, this conversation will help you avoid costly surprises and choose the right lender structure for your strategy.