What Lenders Really Want (and How to Give It to Them) with Ryan Bosch | The Room Key

Hotel lending isn’t dead in 2026—but it’s definitely different.In this episode of The Room Key, Chase Keller sits down with Ryan Bosch, Principal at Arriba Capital, to unpack what’s really getting financed right now, what lenders are passing on, and how owners can structure deals that actually close.Ryan explains why cash flow—not hope—is the single factor driving credit decisions, how banks have quietly reopened to hospitality, and what separates financeable stories from expensive lessons. From PIP-heavy properties to construction loans and bridge-to-perm plays, he outlines what lenders want to see long before term sheets hit your inbox.If you own one to five franchise hotels and you’re thinking about refinancing, renovating, or buying again, this episode is your practical guide to surviving (and thriving in) today’s debt markets