Julian Rizov: Smart DSCR, Construction Loans & “Don’t Pay For What You Can’t Use”

In this episode of the Dream Start Own podcast, Edgar “The Connector” Salgado sits down with lender, builder, and fund manager Julian Rizov of DealFunding360 to break down DSCR loans, hard money, construction financing, and how to avoid paying for money you can’t actually use. Julian shares how he went from doing 250+ fix and flips to building new construction in Atlanta, creating co-living, Airbnb, and midterm rentals, and launching a $3M equity fund that lets investors participate in multiple ground-up and value-add projects—without swinging a hammer. You’ll learn: How DSCR loans really work for rentals, co-living, and STRs The credit score thresholds (660, 700+) that change your rates, leverage, and terms When and how to convert a DSCR / investor loan into a primary residence conventional loan Why Julian says “Don’t pay for what you can’t use” on construction loans Non-Dutch vs Dutch interest (and how the wrong structure can kill your profit) How to structure partnerships and operating agreements so low-credit partners don’t tank your loan Why he prefers buying land in cash or private money, then stacking a construction loan How his fund blends institutional capital with investor money for higher cash-on-cash returns Connect with Julian: Deals & land leads: [email protected] Fund info: [email protected] Connect with Edgar: Website: edgartheconnector.com Instagram: @EdgarTheConnector Follow Dream Start Own, rate this episode, and share it with investors, builders, and private lenders who want smarter DSCR loans, better construction terms, and safer returns on their capital. Sleep better, dream bigger! Affiliate link: Eight Sleep https://refer.eight.sl/edgardsalgado 🔌 PLUG IN & SUBSCRIBE 🔌 Instagram: / @edgartheconnector ► Join The Subto Community for Life & Learn Creative Finance from @PaceMorby https://join.nre.ai/mQ9T9vZ ► Learn How to Make Money on Other People’s Deals with the Gator Method https://join.nre.ai/mQBDJK5 ► Get the tools I use for productivity https://linktr.ee/EdgartheConnector 🚧🚧🚧 DISCLAIMER 🚧🚧🚧 We are not a CPA, attorney, insurance, contractor, lender, or financial advisor. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or other and may be outdated.