PODCAST · business
Mortgage Guide
by Adam Lesner
All things mortgage and real estate. From the basic first time home buyer scenario, to the seasoned investor with a diverse portfolio of properties, you will get something out of every episode. Find out what lenders are looking for, and set yourself up for success for your next home purchase or real estate investment. Mortgage by Adam
Episodes
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E063: Buy and Hold VS Fix and Flip
In just 6 minutes, we break down the pros and cons of flipping vs. holding a mortgaged property in today's market. With rising rates, shifting buyer demand, and tighter lending conditions—what's the smarter move in 2025? Get a quick, no-fluff analysis to help guide your next real estate decision....
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E062: How To Refinance A Mortgage With Bad Credit
In this episode, we break down how refinancing a mortgage is still possible, even with bad credit. If you think low credit scores rule out refinancing, think again. We'll explore practical tips, alternative options, and expert advice to help you understand how to improve your chances and navigate...
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E061: What Are Rental Portfolio Loans?
In this episode, we dive into the world of rental portfolio loans, exploring what they are and how they can benefit real estate investors. A rental portfolio loan allows property owners to consolidate multiple rental properties under one loan, making it easier to manage and potentially offering...
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E060: DSCR Loans Explained — “TikTok LIVE” Ep. 5
In this TikTok Livestream recap, we dive deep into DSCR loans—explaining how they work, who they’re for, and why they’re a game-changer for real estate investors looking for hassle-free financing.
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E059: DSCR Loan — Mortgage Without Tax Returns – ‘TikTok LIVE’ Ep. 4
In this recap of the TikTok Livestream, we explore DSCR loans—no tax returns required. Learn how this alternative financing option works, who it benefits, and how it can simplify the funding process for real estate investors.
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E058: DSCR Loan – No Tax Returns – ‘TikTok LIVE’ Ep. 3
Getting a DSCR loan as a real estate investor without tax returns is a great way to accomplish your investment goals, if you have been told that you do not qualify for a mortgage because of your income situation. Schedule a call here: https://calendly.com/lesnerap63/30min If you want to be a part...
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E057: DSCR Loan (Do You Qualify?) ‘TikTok LIVE’ (Ep. 2)
Covering everything you need to know about DSCR loans. You're welcome to schedule a call anytime here: https://calendly.com/lesnerap63/30min More on DSCR loans here: https://BalanceProcess.com/dscr-loan-program/ Be sure to subscribe and follow on tiktok @MortgagebyAdam so you can be a part of…
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E056: No Tax Return Mortgage ‘TikTok LIVE’ Q&A (Ep. 1)
Today's recap on everything you need to know about getting a no tax return mortgage via DSCR loan or bank statement loan. Schedule a call with me directly here: https://calendly.com/lesnerap63/30min If you want to be a part of the next live be sure to follow @mortgagebyadam on tiktok More on no…
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E055: Mortgage without 2 years tax returns – 6 Options
Today we go deep into the 6 best options available if you're looking to get approved for a mortgage without having to provide 2 years of tax returns. Everything I covered here: https://balanceprocess.com/mortgage-without-2-years-tax-returns/ Subscribe on youtube here: https://youtu.be/0O7yQ7hiUUk
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E054: DSCR Cash Out Refinance
Today we cover the 5 most important things you need to know about getting a cash out refinance with a DSCR loan. Everything I covered here: https://balanceprocess.com/dscr-cash-out-refinance/ Full video here: https://youtu.be/QZ1NmIZoWAQ
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E053: Easy to Use Tenant Management Software
In today's episode we cover the ultimate tenant management software with the co-founder and CEO of Lendlord, Aviram Shahar. For access to all the premium features on Lendlord, free for three months, go here: https://lendlord.io/adam-lesner
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E052: Real Estate Deal Analyzer – Ultimate Guide
Analyzing a real estate investment deal. Premium LendLord features: https://lendlord.io/adam-lesner-us Everything I covered here: https://balanceprocess.com/real-estate-deal-analyzer/
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E051: Asset Depletion Mortgage – How to Get Approved
Today we cover everything you need to know about getting approved for the 2 best asset depletion mortgage loan options available in today's market. Learn more here: https://balanceprocess.com/asset-depletion-mortgage/ Subscribe on YouTube: https://youtu.be/GaHv05Jcos0
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E050: Testimonial – Kind Lending and Floify
On today's episode I just wanted to give some love to a couple companies that have made my life and business easier. Kind Lending and Floify. Grateful for the things that are going right, and grateful for the people who handle their business with care.
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E049: FHA Non-Occupant Co-Borrower Loan – What you need to know
I'm excited to share our latest in-depth exploration into the world of FHA loans, with a spotlight on the role of non-occupant co-borrowers. This piece dives deep into understanding how you can aid a potential homeowner, even without residing in the property. In this guide, you'll uncover: The...
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E048: FHA Loan with 500 Credit Score | Getting Approved
In today's episode I cover what you need to keep in mind if you're trying to get an FHA loan and you have 500 credit. Link to everything I covered here: https://balanceprocess.com/fha-loan-with-500-credit-score/
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E047: Cash Out Refinance in Texas with Low Credit
Today we cover everything you need to know about getting approved for a cash out refinance with bad credit. Everything I covered here: https://balanceprocess.com/cash-out-refinance-in-texas-with-bad-credit/
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E046: High Debt to Income Ratio Mortgage
When your debt to income ratio is high, it’s important to know what options you have when looking to purchase or refinance your home. Your options are: FHA Loan, VA Loan, CDFI Loan, Asset Based Mortgage Today I cover everything you need to know about each option to help you figure out which makes...
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E045: How to get approved if self-employed for less than 1 year
Today we cover exactly how to get approved for a mortgage if you have been self employed for less than 1 year. A traditional loan will not be an option if you have been self-employed less than a year. It will be done on a no income verification loan. The loan approval is based on credit and…
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E044: Getting approved for a No Income Verification Mortgage Loan
If you have been told you do not qualify for a mortgage due to your income or employment history, a no income verification mortgage loan is the solution. These are available for primary residence and 2nd homes, and can be done on a purchase or refinance. This loan option is for well qualified...
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E043: Buying your first investment property with little out of pocket up front
Today I met with real estate investor Tyler Atchison, who shares how he got started with investing in rental property as a beginner. Tyler's story is a perfect example of how anyone with grit and creativity can accomplish their real estate investing goals. There are so many ways to start…
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E042: 12 Month Bank Statement Mortgage for Self Employed
Business owners and 1099 private contractors - Did you know, with a 12 month bank statement mortgage, you can get approved based on average bank deposits, NOT tax returns? With a 12 month bank statement mortgage, tax returns are not required. Your income is calculated based on 12 month deposits....
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E041: How to get a VA Loan with Low Credit Score
Today we cover what you need to know about getting approved for a VA loan if you have a low credit score. Link to everything I covered: https://balanceprocess.com/va-loan-low-credit-score/ Subscribe on Youtube: https://youtu.be/MWfvcDvp3uI
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E040: DSCR Loan Program for real estate investors
How to get approved for a rental property mortgage with no employment history or personal income With a Debt Service Coverage Ratio (DSCR) loan, there is no verification of personal income. The approval is done based on property cash flow, not personal income. You still need to meet credit and...
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E039: USDA Construction Loan Requirements and How to Get Approved
Today we have special guest David Corwin with USDA, here to tell us exactly why a USDA Construction Loan is a great option to consider (instead of buying an existing home) in today's market. Important links below USDA Income Limits:...
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E038: No Tax Return Mortgage | How to Get Approved
Reduce documentation and confusion by getting a mortgage without tax returns. It’s extremely common for lenders to ask for tax returns by default, even if they are not needed. Today I cover everything you need to know about how to get approved for a home purchase or refinance without providing…
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E037: Cash Out Refinance with a 500 Credit Score
Here are 3 ways to get approved with credit score in the 500’s. Link to everything I covered here: https://balanceprocess.com/cash-out-refinance-500-credit-score/ Be sure to subscribe to Mortgage by Adam on YouTube
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E036: Update – Credit Score Eligibility in DU
Effective 9/18/2021 borrowers/co-borrowers will be able to use a combined average of their scores on Desktop Underwriter (DU). Let me know your thoughts on this: [email protected]
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E035: FHA W2 Only Program – How to Qualify
Tody we cover everything you need to know about getting approved for the FHA W2 Only Program. Here is the link to everythign I covered: https://balanceprocess.com/fha-w2-only-program/
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E034: How to Refinance Mortgage Without an Appraisal
Today we cover the 3 ways to refinance your home without getting an appraisal. Learn more on everythign I covered here: https://www.balanceprocess.com/refinance-mortgage-without-appraisal/ Check out and subscribe to the YouTube Channel: Portfolio Loan Mortgage Guide
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E033: Top Alternative Mortgage for Small Business Owner
If you’re a small business owner, and have been told you don’t qualify for a mortgage because of your tax deductions, this episode covers everything you need to know on how to get approved to purchase or refinance a home. We cover everything on getting approved for bank statement mortgage and...
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E032: Mortgage on Quarantine | What is happening?
The stimulus checks are trickling in, but for many people that will not be enough to survive as the economy remains on pause. Today I cover my persective on what is happening in the mortgage world during this pandemic, what needs to happen to recover, and what products are still available today....
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E031: AirBnB Refinance – Short Term Rental Refi for Investors
Most lenders aren’t a huge fan of considering a refinance on a short term rental. The potential risk of not having a long term lease on the property makes them nervous. Now investors can get approved to refinance if they can show 12 months history to support that their short term rental out...
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E030: Land Contract Cash Out Refinance – How To
Happy to share with you some interesting tips on how to successfully complete a cash out refinance on a land contract. Here is a link to everything that I covered: https://www.balanceprocess.com/cash-out-refinance-land-contract/
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E029: Mortgage with 580 Credit Score | 3 Ways to Get Approved
Everything you need to know about getting approved for a mortgage with 580 credit score on FHA, VA, and non-QM mortgage. Home purchase, refinance, and cash out refinance. Here is the link to everything I covered: https://www.balanceprocess.com/mortgage-with-580-credit-score/
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E028: Non-QM Mortgage – The Perfect Solution
A non-QM mortgage is a home loan that will likely be your solution for financing if you don’t meet traditional lending guidelines. Perfect for: bad credit, unique income, unique property type, and foreign nationals. Link to everything I covered:...
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E027: Best Mortgage for Bad Credit
Everything you need to know about the best mortgages available on the market if you have bad credit. Link to everything I covered: https://www.balanceprocess.com/best-mortgage-for-bad-credit/
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E026: Best Home Loans for Self-Employed Borrowers
Covering the top 4 homes loans for self-employed borrowers. What you need to expect and how to get approved. Links to all content covered here: https://www.balanceprocess.com/home-loans-for-self-employed-borrowers/
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E025: Crucial on Manufactured Home | Affidavit of Affixture
If you are a realtor, loan officer, or title agent – and there is a slight chance you might ever do a deal on a manufactured home, this episode will save you a shit ton of time and stress. How to get an affidavit of affixture properly recorded on a manufactured home. All the links I mentioned can...
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E024: FHA Loans for Bad Credit | Below 580 okay
Everything you need to know about getting approved for an FHA loan with credit as low as 500 score. Learn more here: https://www.balanceprocess.com/fha-loans-for-bad-credit/ Also, check your FHA county loan limit here:...
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E023: Rental Property Financing | 3 Incredible Ways to Get Approved
If you are a real estate investor, or have thought about getting into real estate investing, this might be the most important content you will listen to on getting approved for rental property financing. Find out more at: https://www.balanceprocess.com/rental-property-financing/
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E022: Mortgage Without Tax Returns | No Problem
No tax returns? No problem. Here are 5 ways to get approved for a mortgage without providing tax returns even if you are self-employed. You can shoot me an inquiry anytime at balanceprocess.com to get your questions answered.
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E021: Cash Out Refinance With Bad Credit
Getting approved for cash out refinance when you have bad credit. Everything you need to know. Learn more at https://www.balanceprocess.com/cash-out-refinance-with-bad-credit/
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E020: Bank Statement Mortgage for self-employed or private contractor
Today we cover everything business owners need to know about getting approved for a home loan without tax returns. on a bank statement mortgage. For self-employed and private contractors who show low income on tax returns. Learn more at https://www.balanceprocess.com/bank-statement-mortgage/
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E019: When to buy a house after mortgage is included in bankruptcy
Perhaps one of the most misunderstood guidelines in the mortgage world as it relates to buying a home after bankruptcy. Today I go deeeeeeeep into what it takes to buy after BK, and have surrendered a house in that bankruptcy (regardless of foreclosure date). Learn more at BalanceProcess.com
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E018: How to Buy a House on Land Contract
When you decide buying a house on land contract is the route you want to take, here is a video on how to find homes for sale on land contract, and how to prepare to buy. Other videos and helpful links… Everything you need to know about buying on land contract Video – https://youtu.be/Wx4HWqndK7w...
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E017: Veteran Real Estate Tax Exemption
Today I cover the real estate tax exemption for 100% disabled veterans in the state of Michigan. If you are a veteran of the armed forces, I appreciate your service to our country. Semper Fidelis. Helpful link https://www.balanceprocess.com/all-american-exempt
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E016: Incredible Solution – Manual Underwriting Mortgage
Getting approved with a manual underwrite is often the most logical solution for a challenge on an FHA or VA loan. In today’s episode of the mortgage guide podcast I cover what manual underwriting mortgage means, and how it can be the glue that holds it all together.
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E015: Bank Statement Loan for Self-Employed Borrowers
If you are self-employed or a private contractor, this is the episode you need to hear. I dive into exactly how to get approved for a mortgage with a bank statement loan, and no tax returns are required. Unfortunately, so many times business owners are told they do not qualify for a mortgage...
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E014: How to Think Like an Underwriter | Q and A
Do I qualify for a home loan? To answer that question you need to understand how lenders look at your income, your credit, your assets, and the property you’re looking to finance. Today I dive into each component in depth in order to answer all of the qualifying questions you may have. More at...
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ABOUT THIS SHOW
All things mortgage and real estate. From the basic first time home buyer scenario, to the seasoned investor with a diverse portfolio of properties, you will get something out of every episode. Find out what lenders are looking for, and set yourself up for success for your next home purchase or real estate investment. Mortgage by Adam
HOSTED BY
Adam Lesner
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Frequently Asked Questions
How many episodes does Mortgage Guide have?
Mortgage Guide currently has 63 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Mortgage Guide about?
All things mortgage and real estate. From the basic first time home buyer scenario, to the seasoned investor with a diverse portfolio of properties, you will get something out of every episode. Find out what lenders are looking for, and set yourself up for success for your next home purchase or...
How often does Mortgage Guide release new episodes?
Mortgage Guide has 63 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to Mortgage Guide?
You can listen to Mortgage Guide on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Mortgage Guide?
Mortgage Guide is created and hosted by Adam Lesner.
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