SEI Mortgage Podcast

SEI Mortgage breaks down the top 10 Non-QM (non-qualified mortgage) loan programs available right now for self-employed borrowers, real estate investors, 1099 earners, and anyone who doesn't fit the traditional big-bank lending box.If your tax returns don't tell the full story of your real income, this episode is for you. Learn how each program works, who it's built for, and how to use them to qualify based on what you actually earn, not what shows on your adjusted gross.⏱ TIMESTAMPS00:00 — Intro: What is a Non-QM loan and who is it for00:46 — #10: Non-QM Interest-Only loans01:30 — #9: Foreign National loans02:16 — #8: Private Money loans03:00 — #7: Fix and Flip / Hard Money loans04:01 — #6: Asset Qualifier loans04:46 — #5: Profit and Loss (P&L) loans05:45 — #4: 1099 Income loans07:15 — #2: DSCR (Debt Service Coverage Ratio) loans09:00 — #1: Bank Statement loans10:30 — Wrap-up + how to connect📞 READY TO TALK?Whether you're buying your first investment property, refinancing, or trying to figure out which Non-QM program fits your situation, we'd love to structure a scenario for you.👉 Visit https://seimortgage.com (https://seimortgage.com/) to get started📞 Call us direct at 1-800-401-1363📩 Or reach out anytime to map out your next moveIf you found this episode useful, follow the show so you never miss a new mortgage strategy breakdown. Share it with a friend, business partner, or agent who needs to hear it.🎥 Watch the full video on YouTube: https://youtu.be/6o-kTWZwp4A🔔 Subscribe on YouTube: SEI Mortgage - Ryan Marks#NonQM #MortgageTips #SelfEmployedLoans #DSCR #BankStatementLoan #RealEstateInvesting #1099Loan #FixAndFlip #AssetQualifier #SEIMortgage

You're about to lose your dream home because you haven't sold your current one. But what if there's a way to buy now and sell later?In this episode, Ryan Marks breaks down exactly how bridge loans work and how homeowners can use them to upgrade without the pressure of selling first.WHAT IS A BRIDGE LOAN?A bridge loan is a short-term loan that bridges the gap between selling your current home and buying your new one. It lets you:HOW BRIDGE LOANS WORK:The lender calculates your loan based on:Value of your current homeValue of your new homeOutstanding loan balance on current propertyMaximum loan-to-value (LTV) is typically 75%KEY QUESTIONS TO ASK:1. What's my maximum loan amount based on my equity?2. What are the rates and fees?3. How long is the bridge period?4. What happens if my house doesn't sell?5. Can I get both properties at the same time?TIMESTAMPS:0:00 - Hook: You're about to lose your dream home...0:30 - What is a Bridge Loan? (Definition)2:15 - How Bridge Loans Work (The Math)4:00 - Bridge Loan Example: $1M → $2M Property6:30 - Maximum Loan-to-Value (75% Rule)8:00 - Who Can Get a Bridge Loan (Not Just Investors)10:00 - Key Questions to Ask Your Lender12:00 - When to Use a Bridge Loan (When it Makes Sense)14:00 - Final Tips & Call to Action🎯 READY TO EXPLORE BRIDGE FINANCING?Schedule a free consultation with Ryan Marks to discuss your specific situation and see if a bridge loan is right for you. Visit www.seimortgage.comRyan Marks is a mortgage professional specializing in bridge loans, creative financing, and helping homeowners navigate the buying/selling process. NMLS #519138#BridgeLoan #HomeBuying #RealEstateTips #MortgageAdvice #BuyAHome #DreamHome #Homeowner #FirstTimeHomeBuyer #HowToBuyAHouse #MortgageEducation #HomesForSale #RealEstateAdvice #SeIMortgageDISCLAIMER — Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as legal, financial, tax, or real estate advice, a commitment to lend, or an offer, quote, or guarantee of loan terms. Loan guidelines, program availability, rates, and qualification methods, especially for Non-QM programs — can change at any time. 

Most investors don't know their equity is locked until it's too late. If you're waiting the standard 6 months to refinance and pull cash out of your investment property, you're leaving capital on the table — and slowing down your ability to scale.In this episode, Ryan Marks breaks down exactly how DSCR and Non-QM mortgage strategies let real estate investors access their equity in as little as 0–3 months — no tax returns, no W2s, no waiting on outdated bank guidelines.📞 Ready to run your numbers? Call or text: 1-800-401-1363🌐 Learn more: https://seimortgage.comWhat you'll learn in this episode:• Why the 6-month seasoning rule exists — and the legal strategy to work around it• How DSCR loans qualify you based on property income, not personal income• A real BRRRR example: $100K purchase → $300K ARV → fast cash-out refi• What lenders actually require: LTV ratios, appraisals, and proof of rehab• How to structure deals so you can recycle capital and keep scaling your portfolioEpisode Timestamps:0:00 — Why Your Equity Is Locked (6-Month Rule Explained)0:22 — How to Access Equity in 0–3 Months (No Seasoning Strategy)1:21 — Real BRRRR Example: 100K → 300K Property Breakdown3:35 — Requirements to Cash Out Early (LTV, Appraisal, Proof of Work)4:48 — How to Structure the Deal + Maximize Cash Flow5:49 — How to Get Started + Run Your NumbersWho this episode is for:This episode is built for real estate investors, BRRRR buyers, and anyone who owns investment property and wants to stop leaving money tied up in deals. Whether you're self-employed, running a business, or just don't fit the traditional bank mold — Non-QM and DSCR strategies exist specifically for you.Connect with Ryan:Instagram (SEI Mortgage): https://www.instagram.com/seimortgage/Instagram (Ryan): https://www.instagram.com/ryan_j_marksFacebook: https://www.facebook.com/ryan.marks.79025648/Subscribe/follow for new episodes every week.---DISCLAIMER — Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as legal, financial, tax, or real estate advice, a commitment to lend, or an offer, quote, or guarantee of loan terms. Loan guidelines, program availability, rates, and qualification methods, especially for Non-QM programs — can change at any time. Examples given are hypothetical. Always consult with a licensed mortgage lender, CPA, financial advisor, or attorney before making financing decisions. Not affiliated with Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. The Turkey Foundation, Inc. | 1805 E Garry Ave, Santa Ana, CA 92705 | Equal Housing Lender

Think DSCR loans are one-size-fits-all? Think again. Once you cross into 5-unit and above territory, the rules change — and so do the opportunities.In this episode, we break down how DSCR financing works for 5+ unit residential properties and why it's a completely different product than the 1-4 unit DSCR loans most investors are familiar with. From how lenders underwrite the deal to how debt coverage ratios are calculated across a larger rent roll, we walk you through what to expect and what lenders are really looking at.We also share a real-life client example of someone who used a 5+ unit DSCR loan to acquire a property, showing you exactly what the numbers looked like — purchase price, payment options, and how the debt service coverage ratio played out in practice.Plus, we dive into why interest-only payments can be a game changer for investors working to stabilize a property. When you're filling vacancies, making improvements, and pushing rents to market, that lower monthly obligation gives you breathing room and more cash flow right when you need it most.Whether you're scaling from a fourplex into your first small apartment building or actively shopping for 5+ unit deals, this episode gives you the financing playbook.For additional resources, loan scenarios, or to connect with our team directly, visit us at www.seimortgage.com.⭐ If this episode helped you, SUBSCRIBE, leave a 5-star review, and share it with a fellow business owner or investor who needs to hear this!All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice Financial advice Tax advice Real estate advice A commitment to lend An offer, quote, or guarantee of loan terms Loan guidelines, program availability, rates, underwriting rules, and qualification methods — especially for Non-QM mortgage programs — can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender

We break down one of the most powerful non-QM loan products available today: the Profit and Loss (P&L) Loan. If you own a cash-heavy business—like a nail salon, restaurant, auto shop, or any service-based operation—and your tax returns don’t reflect your true income, this episode is for you. Whether you’re looking to purchase your first home, refinance existing debt, or invest in real estate, this episode breaks down exactly how the P&L loan works, what you need to qualify, and why non-QM lending is no longer “subprime What You’ll Learn in This Episode:• What a Profit & Loss (P&L) loan is and how it works for self-employed borrowers• Why traditional banks and even bank statement loans fall short for cash-heavy businesses• The difference between audited vs. unaudited P&L statements and how they affect your rate• Real success story: Nail salon owner qualifies for a $1.4M home purchase with a P&L loan• How a P&L cash-out refinance helped a business owner eliminate $2,500/month in credit card debt• Down payment requirements, credit score guidelines, and rate factors for non-QM P&L loans• How to use business funds for your down payment and closing costsWhether you’re self-employed, a real estate investor, or a business owner who’s been turned down by traditional lenders—we specialize in finding the right loan for your situation.🌐 Visit us: https://seimortgage.com/📞 Schedule a free consultation to see if a Profit & Loss loan, bank statement loan, DSCR loan, or other non-QM product is right for you.https://calendly.com/ryan-elendingteam/self-employed-or-investor-consultation⭐ If this episode helped you, SUBSCRIBE, leave a 5-star review, and share it with a fellow business owner or investor who needs to hear this!All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice Financial advice Tax advice Real estate advice A commitment to lend An offer, quote, or guarantee of loan terms Loan guidelines, program availability, rates, underwriting rules, and qualification methods — especially for Non-QM mortgage programs — can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender

DSCR loans have quickly become one of the most powerful financing tools for real estate investors and self-employed borrowers, but they also come with hidden traps that can cost you tens of thousands of dollars if you don’t understand how they work.In this episode of the SEI Mortgage Podcast, Ryan Marks breaks down the real pros and cons of DSCR loans so you know exactly when this investment property loan strategy works—and when it doesn’t.If you are building a rental portfolio, buying investment property, or struggling to qualify for traditional mortgages because of tax write-offs, this episode will show you how DSCR loans allow investors to qualify using property cash flow instead of personal income or tax returns.Key Moments in This Episode00:00 – The truth about DSCR loans most investors miss 01:02 – What a DSCR loan actually is 02:15 – Why traditional mortgages fail self-employed investors 04:10 – How DSCR loans use rental income instead of tax returns 05:20 – Why DSCR loans don’t affect your personal debt-to-income ratio 06:30 – The unlimited rental property advantage 07:35 – Buying investment properties in an LLC 08:50 – Can you buy your first rental property with a DSCR loan? 09:45 – How investors buy rental properties with as little as 10% down 11:05 – The hidden fees in DSCR loans 12:15 – Why DSCR interest rates are slightly higher 13:10 – Prepayment penalties explained 15:10 – How to calculate if a prepayment penalty makes sense 17:20 – The biggest DSCR mistakes investors make 18:20 – How smart investors structure DSCR loans correctlyUse our free DSCR calculator (no email required): https://seimortgage.com/dscr-calculator/Explore more tools, resources, and non-QM mortgage strategies for real estate investors and self-employed borrowers at:🌐 https://seimortgage.comDISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice Financial advice Tax advice Real estate advice A commitment to lend An offer, quote, or guarantee of loan terms Loan guidelines, program availability, rates, underwriting rules, and qualification methods. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender

Did you know there’s a way to lower your mortgage payment without refinancing, without changing your interest rate, and without re-qualifying?In this episode of the SEI Mortgage Podcast, Ryan Marks breaks down one of the most overlooked mortgage strategies available today, the mortgage recast.This is the mortgage move banks rarely advertise.A mortgage recast allows you to make a lump sum principal payment and then have your lender re amortize your loan, lowering your monthly payment while keeping your original interest rate and terms intact.No new loan.No credit check.No income verification.No closing costs.We cover:• What a mortgage recast is and how it works • How to lower your mortgage payment without refinancing • Why this strategy is powerful in retirement • How investors can increase rental property cash flow • How to buy a new home non-contingent and recast later • Minimum principal reduction requirements • Why you don’t lose your low interest rate • The difference between paying off early vs. recastingIf you locked in a 2%, 3%, or 4% interest rate and don’t want to refinance into today’s higher rates, this strategy could be a game changer.Whether you’re W2, self-employed, retired, or a property investor, this episode explains how to restructure your payment the smart way — without giving up your current loan.For more mortgage strategies and creative lending solutions, visit: 👉 https://seimortgage.comRemember — let your income work smarter, not harder! ⏱ Key Moments & Timestamps0:00 – The Mortgage Strategy Banks Don’t Advertise How to lower your payment without refinancing or losing your rate.0:40 – What Is a Mortgage Recast? The simple explanation most homeowners don’t know.1:30 – Paying Off Early vs. Recasting (Big Difference) Why extra principal payments don’t automatically lower your payment.2:20 – How Re-Amortization Actually Works What happens when your lender recalculates your remaining balance.3:05 – #1 Reason to Use a Mortgage Recast (Retirement Strategy) Lowering fixed expenses when transitioning to fixed income.4:05 – Using a Recast for Rental Property Cash Flow How investors can improve positive cash flow instantly.4:45 – The Non-Contingent Offer Strategy Buy with minimal down, sell your home, then recast to lower payment.5:40 – Minimum Principal Requirements (Fannie/Freddie Guidelines) Typical $10,000 minimum reduction and how to request it.6:15 – No Requalification Required Why you keep your original mortgage terms and interest rate.6:45 – Final Pro Tip & When to Call Your ServicerTools and ResourcesVisit seimortgage.com for calculators, loan guides, and investor resources.Or calculate your property to see if it works for a DSCR loan:https://seimortgage.com/dscr-calculator/DISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice Financial advice Tax advice Real estate advice A commitment t

Let's break down a real success story where a real estate agent and investor were denied conventional financing… but still closed on their next investment property using a DSCR loan (Debt Service Coverage Ratio loan).If you’re self-employed or building a real estate portfolio, this episode is a must listen.We unpack:• Why traditional lenders deny investors with strong portfolios • How tax write-offs can hurt your mortgage approval • What a DSCR loan is and how it works • How to qualify using rental income only • Why you don’t need tax returns or personal income documentation • How investors can buy with as little as 15–20% down • Why being told “no” by one lender doesn’t mean the deal is deadThis real-world case study shows how an investor with multiple properties, large down payment, and strong cash flow still couldn’t qualify conventionally, but secured financing in under 30 days using rental income to qualify instead of personal income.If you’re a:• Real estate investor first time or experience  • Realtor building your own portfolio • Self-employed borrower • Landlord with multiple financed properties • Investor who has hit the Fannie/Freddie 7–10 property limitThis episode will change how you think about investment property financing.💡 DSCR loans don’t use tax returns. 💡 No traditional debt-to-income calculation. 💡 Qualification is based on the property’s rental income. 💡 Properties can be vested in an LLC. 💡 No limit on the number of DSCR loans with many lenders.There is almost always a solution — you just have to be working with someone who understands the full lending landscape.🧮 Tools & ResourcesExplore DSCR loan tools, calculators, and investment resources: 👉 https://seimortgage.com/dscr-calculator/Get in touch with us:  Phone: 1-800-401-1363Let your income work smarter — not harder! DISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice Financial advice Tax advice Real estate advice A commitment to lend An offer, quote, or guarantee of loan terms Loan guidelines, program availability, rates, underwriting rules, and qualification methods - especially for Non-QM mortgage programs - can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender

In this episode of the SEI Mortgage Podcast, Ryan Marks sits down with Halsted Knutson, Private Wealth Advisor with ClearPath Wealth Management, to break down the intersection of smart lending strategies and long-term wealth planning for self-employed business owners, entrepreneurs, and real estate investors.The conversation goes far beyond “retirement.” Instead, we unpack what it really means to become financially secure — without becoming a burden on your family or risking running out of money later in life.In this episode, we discuss:• The shift from “retirement planning” to financial security planning • Why liquidity is critical for business owners and real estate investors • How tax strategy impacts long-term wealth accumulation • The importance of diversifying between taxable, tax-deferred, and tax-free accounts • Why small business owners must plan their exit strategy 5–7 years in advance • How estate laws differ by state and why that matters • Why building a financial team (CPA, lender, advisor, estate attorney) is essentialHalsted shares real world insight into how high-income earners and entrepreneurs can protect their wealth, structure investments intelligently, and create a runway that lasts decades, even in uncertain tax environments.If you’re self-employed, scaling a business, investing in real estate, or thinking about your long-term financial future, this is a powerful episode that will help you think differently about money, security, and strategy.Connect with Halsted Knutson:📞 - 651.200.3455🌐 - https://www.ameripriseadvisors.com/team/clearpath-wealth-management/financial-advice-team/halsted.knutson/📧 - [email protected] more lending strategies built specifically for self-employed borrowers and real estate investors, visit: 👉 https://seimortgage.comLet your income work smarter, not harder.

Thinking about buying your next rental property? Before you submit an offer, you need to know one thing — will it actually cash flow?In this episode of the SEI Mortgage Podcast, Ryan Marks walks you step-by-step through how to use the free DSCR calculator on SEIMortgage.com to analyze your investment property before ever speaking to a lender.If you’re a real estate investor or building a rental portfolio using DSCR loans, this episode shows you how to calculate:• Debt Service Coverage Ratio (DSCR) • Monthly mortgage payment vs rental income • How lenders evaluate DSCR mortgage deals • What happens if the property doesn’t hit a 1.0 ratioUnlike traditional mortgages, DSCR loans do not use personal income, tax returns, or debt-to-income ratios. Approval is based primarily on the property’s rental income. That makes this one of the most powerful non-QM mortgage strategies for investors in 2026.Before you buy your next investment property, run the numbers yourself.Use the FREE DSCR Calculator (no email required) here: 👉 https://seimortgage.com/dscr-calculator/Want more strategies on real estate investing, non-QM loans, bank statement loans, and creative mortgage solutions? Visit: https://seimortgage.comIf you’re serious about scaling your rental portfolio with smart financing, this episode is a must-watch.

Inheriting real estate in California can be a blessing, or a financial puzzle. When one heir wants to keep the property and another wants to cash out, the wrong move can trigger a property tax reassessment, massive tax increases, or deal-breaking delays.In this episode of the SEI Mortgage Podcast, Ryan Marks is joined by special guest Dat Nguyen, who shares expert insight into how families can access equity from an inherited property held in a family trust, buy out one beneficiary, and still protect long-term affordability under California property tax rules.We break down how these transactions are typically structured using two separate lenders, one to facilitate the initial cash-out from the trust, and another to complete the refinance into the individual retaining ownership. This strategy is often overlooked, misunderstood, and incorrectly handled by traditional lenders.If you’re dealing with inherited property, trust-owned real estate, sibling buyouts, or California tax concerns, this episode is a must-listen.In This Episode, We Cover:How inherited properties in family trusts are handled in CaliforniaWays to buy out an heir without forcing a saleHow to access equity while minimizing tax reassessment riskWhy these deals often require two distinct loan transactionsCommon mistakes families make that cost tens of thousands long-termHow non-QM and creative financing solutions fit into trust scenarios🎧 Explore your options and run the numbers at: 👉 www.seimortgage.com📞 1-800-401-1363🎧 Subscribe to the SEI Mortgage Podcast for weekly episodes covering real estate investing, STR strategies, and mortgage solutions built for self-employed borrowers and investors.DISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice, financial advice, tax advice, real estate advice, a commitment to lend, an offer, quote, or guarantee of loan terms. Loan guidelines, program availability, rates, underwriting rules, and qualification methods for Non-QM mortgage programs can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender

DSCR loans continue to be one of the most powerful financing tools for real estate investors, especially as we head into 2026. If you’re building a rental portfolio, investing in long term or short term rentals, or tired of traditional lenders analyzing your personal income, this episode is for you.In this episode of the SEI Mortgage Podcast, Ryan Marks breaks down DSCR loans, also known as Debt Service Coverage Ratio loans, and explains how investors qualify based on property cash flow instead of tax returns, W-2s, or personal debt to income ratios.You’ll learn how DSCR lending is evolving for 2026, what lenders are looking for, and how smart investors are using these programs to scale faster while keeping their personal finances separate from their properties.This episode covers: • What a DSCR loan is and how it works • How rental income is used to qualify instead of personal income • DSCR ratio requirements and no-ratio options • DSCR loans for long term and short term rentals • How to Debt Coverage even if rents don't  • Common mistakes investors make when analyzing cash flowRyan also walks through how to use the SEI Mortgage DSCR Calculator, a free tool with no email required, so you can quickly estimate whether a property qualifies before making an offer.👉 Use the free DSCR calculator featured in this episode here: https://seimortgage.com/dscr-calculator/If you’re serious about investing with smarter financing strategies, this episode will help you understand how DSCR loans can unlock more opportunities in 2026 and beyond.🎧 For more education on DSCR loans, non QM mortgages, bank statement loans, and investor financing strategies, visit https://seimortgage.com and explore the full SEI Mortgage Podcast library.

Closing costs confuse most buyers and cost people thousands of dollars simply because they do not understand them.In this episode of the SEI Mortgage Podcast, Ryan Marks does a live screen share and walks through a Closing Disclosure to explain exactly what closing costs are when buying a home, where the numbers come from, and which fees matter most for buyers, self employed borrowers, and real estate investors.This episode breaks down lender fees, title and escrow charges, prepaid items, taxes, insurance, and reserves so you can clearly see how your total cash to close is calculated. We also explain how closing costs differ when buying a primary home versus a rental property, and how self employed buyers using Non QM loan programs should review these figures before signing.If you are buying a home, purchasing a rental property, or simply want to understand your mortgage paperwork before closing day, this episode gives you a clear, no nonsense explanation using real numbers and a real example.In This Episode:• What closing costs are when buying a home • How to read and understand a Closing Disclosure • Lender fees versus third party fees • Prepaid taxes, insurance, and escrow accounts explained • Closing costs for self employed borrowers • Differences between primary residence and rental property closings • How to avoid surprises at the closing tableTools and Next StepsFor tools, resources, and help reviewing your loan figures, visit www.seimortgage.com. If you are buying a home or investing in real estate and want guidance, get in touch with us to review your scenario and options.

Fix and flipping real estate can be extremely profitable, but it can also be one of the fastest ways to lose money if you buy the wrong deal. The difference between success and failure almost always comes down to how the deal is sourced, analyzed, renovated, and financed.In this episode, Ryan Marks is joined by Brad Hansen of ENRG Realty, an experienced Los Angeles based investor and agent who specializes in sourcing, renovating, and flipping properties for strong returns. Brad shares how successful investors evaluate opportunities, spot potential issues early, and protect their margins before ever submitting an offer.Whether you are preparing for your first fix and flip or expanding an existing investment business, this episode delivers a practical, straightforward breakdown of what works, what does not, and how to avoid common pitfalls.In This Episode:• How experienced investors source fix and flip deals • Why MLS deals can work when analyzed correctly • What red flags to look for before making an offer • How renovation scope and timelines impact profit • Why buying properties in worse condition can lead to better returns • The importance of involving a contractor early • How to avoid overpaying and protect your margin • Common mistakes that turn good flips into bad dealsUse our free scope of work calculator to enter rehab costs, calculate your margins, and see if a property is a winner before making an offer. https://seimortgage.com/scope-of-work-tool-calculator/Explore additional tools and resources or get in touch with us at www.seimortgage.com to learn more about fix and flip financing, investor loan options, and Non QM programs.Get in touch with Brad Hansen to discuss fix and flip opportunities or work with an investor focused agent in the Los Angeles market, you can reach him directly at:  Email: [email protected]: www.brad-hansen.comDISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice, financial advice, tax advice, real estate advice, a commitment to lend, an offer, quote, or guarantee of loan terms. Loan guidelines, program availability, rates, underwriting rules, and qualification methods for Non-QM mortgage programs can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender

In this episode of the SEI Mortgage Podcast, Ryan Marks walks you through exactly how bank statement income loans work and how lenders calculate income using only your bank statements instead of tax returns. You’ll get a step by step screen share demonstrating how to calculate your own qualifying income using the SEI Mortgage free Bank Statement CalculatorThis episode is perfect for: • Self employed home buyers • Business owners with heavy tax write offs • 1099 earners and gig workers • Real estate investors looking to purchase or refinance • Anyone exploring non traditional mortgage optionsWhat you’ll learn: • How bank statement mortgage loans calculate income • The difference between taxable income and qualifying income • How lenders review 12 to 24 months of deposits • How to estimate your buying power before speaking with a lender • What an expense factor is If you’ve been told no by a bank because of your tax returns, this episode will show you a smarter way forward using alternative income mortgage programs built for self employed borrowers.👉 Use the same calculator featured in this episode here: https://seimortgage.com/bank-statement-calculator/🎧 Want more strategies for self employed mortgages, bank statement loans, DSCR loans, and non QM lending? Visit https://seimortgage.com or listen to the full SEI Mortgage Podcast for weekly education designed for real world earners.DISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice, financial advice, tax advice, real estate advice, a commitment to lend, an offer, quote, or guarantee of loan terms. Loan guidelines, program availability, rates, underwriting rules, and qualification methods for Non-QM mortgage programs can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender

Short-term rentals can be one of the fastest ways to build cash flow in real estate, if you buy the right property. In this episode of the SEI Mortgage Podcast, we’re joined by special guest LC Beh of Strive Realty, a top-producing agent in the Los Angeles market and a longtime friend of the show.LC breaks down how successful investors identify short-term rental opportunities before they buy, what separates high-performing STRs from underperforming ones, and how to navigate today’s market where location, regulations, and numbers matter more than ever.We cover:How to identify STR-friendly markets and neighborhoodsWhat to look for in a property before making an offerHow layout, zoning, and location impact nightly revenueCommon mistakes new STR investors make and how to avoid themHow to launch and position a short-term rental for long-term successWe also touch on tax strategy, including how bonus depreciation may allow short-term rental owners to accelerate deductions and improve after-tax cash flow when structured correctly. This is an area where smart planning can significantly impact your returns.👉 Learn more about investor strategies, bonus depreciation, and financing insights here:https://seimortgage.com/bonus-depreciation-explained-for-real-estate-investors-2025-to-2026-guide/Guest InformationLC Beh, Realtor | Strive Realty 📍 Los Angeles Market 📞 626.487.8827 📧 [email protected]🌐 https://www.theagentlc.com/Financing Your Short-Term RentalThe right property is only half the equation. At SEI Mortgage, we specialize in financing short-term rental properties for self-employed borrowers and real estate investors using solutions like DSCR loans, bank statement programs, and other Non-QM options, often with no tax returns required.Explore your options and run the numbers at: 👉 www.seimortgage.com 📞 1-800-401-1363🎧 Subscribe to the SEI Mortgage Podcast for weekly episodes covering real estate investing, STR strategies, and mortgage solutions built for self-employed borrowers and investors.DISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice, financial advice, tax advice, real estate advice, a commitment to lend, an offer, quote, or guarantee of loan terms. Loan guidelines, program availability, rates, underwriting rules, and qualification methods for Non-QM mortgage programs can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender

A mortgage preapproval carries real weight, while a prequalification letter often does not, and that difference can determine whether your offer is accepted or ignored.In this episode, Ryan Marks breaks down the critical differences between a mortgage preapproval and a prequalification letter, why sellers and listing agents demand a true preapproval, and how many buyers unknowingly lose homes by submitting weak prequal letters.We explain what documentation lenders actually review for a preapproval, why prequalification letter are often based on unverified information, and how buyers can still obtain a strong preapproval using Non QM loan programs, even if they are self employed, have variable income, or do not qualify under traditional lending guidelines.This episode also covers how Non QM preapprovals work, what documents are required, and how having the right letter can strengthen your negotiating position in competitive markets.If you are serious about buying a home, this episode explains why a real preapproval is not optional, it is essential.In This Episode:• What a mortgage preapproval is and why it matters • What a prequalification letter is and why it carries little weight • Key differences sellers and agents look for in a preapproval letter • How lenders verify income, assets, and credit for a true preapproval • Getting preapproved using Non QM loan programs • Options for self employed and alternative income borrowers • How the right preapproval strengthens your offer and negotiating powerTools and ResourcesVisit https://www.seimortgage.com for Non QM loan programs, preapproval resources, and tools for homebuyers.DISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice, financial advice, tax advice, real estate advice, a commitment to lend, an offer, quote, or guarantee of loan terms. Loan guidelines, program availability, rates, underwriting rules, and qualification methods for Non-QM mortgage programs can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender

If you own a home or investment property, there is a good chance you are sitting on equity you do not even realize you can access. Many homeowners and real estate investors assume equity can only be used through a traditional refinance, but that is not always the best option.In this episode, Ryan Marks breaks down HELOCs and HELOANs, how they work, and how self employed borrowers and investors can access equity without refinancing their existing mortgage. We explain the difference between a home equity line of credit and a home equity loan, how payments are structured, and when each option makes the most sense.This episode also covers how Non QM equity programs allow borrowers to qualify using bank statements, DSCR, or alternative income documentation, making it possible to tap into equity even if you do not qualify under traditional lending guidelines.Whether you are looking to consolidate debt, fund renovations, purchase another property, or access cash for business or investment purposes, this episode explains how to unlock equity while keeping your long term financing strategy intact.In This Episode:• What a HELOC is and how a home equity line of credit works • What a HELOAN is and how it differs from a HELOC • How to access equity without tax returns or traditional income documentation • When to use a HELOC versus a HELOAN • Accessing equity without refinancing your first mortgage • How self employed borrowers qualify using Non QM programs • Using bank statements or DSCR to qualify for equity products • Common use cases including renovations, investments, and debt consolidation • Risks and considerations when tapping into home equityTools and ResourcesVisit https://www.seimortgage.com for equity calculators, Non QM program guides, and resources for self employed borrowers and real estate investors.DISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice, financial advice, tax advice, real estate advice, a commitment to lend, an offer, quote, or guarantee of loan terms. Loan guidelines, program availability, rates, underwriting rules, and qualification methods - especially for Non-QM mortgage programs can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender

If you're self employed or earning 1099 income, you already know the struggle of qualifying for a mortgage with traditional lenders. Your CPA uses legal write offs to reduce your taxable income, but banks rely on that reduced number to decide whether you qualify. The result is the same problem many entrepreneurs face. You are successful in your business, yet the bank still says you do not qualify.In this episode, Ryan Marks breaks down the Profit and Loss Loan, one of the most powerful Non QM mortgage programs for self employed and 1099 borrowers. Instead of using your tax returns, lenders qualify you based on a professionally prepared year to date P and L statement, supported by 12 months of bank statements. This makes it possible for business owners, contractors, and entrepreneurs with strong revenue but low taxable income to finally get approved for a home loan.You will learn how lenders calculate income from your P and L, why no tax returns, W2s, or pay stubs are required, and how this loan helps self employed buyers qualify for a home or refinance without the strict guidelines used in conventional lending. We also cover documentation requirements, qualification basics, and how this program works for primary homes, second homes, and investment properties.If you have ever been told your tax returns do not show enough income, this episode explains why the Profit and Loss Loan may be the best path to homeownership for self employed borrowers and 1099 earners.In This Episode:• What the Profit and Loss Loan is and how lenders calculate usable income • Why no tax returns, W2s, or pay stubs are needed to qualify • Documentation requirements for self employed and 1099 borrowers • How this loan helps business owners with high revenue and low taxable income • Using a P and L mortgage for purchase, rate term refinance, or cash outTools and ResourcesVisit https://www.seimortgage.com for Non QM loan programs, calculators, and resources for self employed and 1099 borrowers.DISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice, financial advice, tax advice, real estate advice, a commitment to lend, an offer, quote, or guarantee of loan terms. Loan guidelines, program availability, rates, underwriting rules, and qualification methods - especially for Non-QM mortgage programs can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender

For many self-employed borrowers, tax returns often to a tell a different. Your CPA uses deductions within your legal right to reduce taxable income, but traditional lenders rely on that reduced number to determine your eligibility for a mortgage. The result is the same frustrating outcome many entrepreneurs face. You're successful, but your tax returns don't convey the real value of your business, and the bank says you do not qualify. In this episode, SEI Mortgage Podcast breaks down the Profit and Loss Loan, one of the most flexible Non QM programs available for small business owners, sole proprietors, and entrepreneurs with little to no taxable income. Instead of reviewing your tax returns, lenders qualify you using a profit and loss statement. You will learn how lenders calculate income from your profit and loss, why no tax returns, W2s, or pay stubs are required, and how this loan helps self employed borrowers buy or refinance without jumping through traditional underwriting hoops. We also cover qualification basics, documentation requirements, and how this program can be used for primary home, second home, and investment property.If you have ever been told you do not qualify because of your tax returns, this episode explains why the Profit and Loss loan may be the solution you have been missing.In This Episode:• What the Profit and Loss Loan is and how it works • How P and L income is calculated and verified • Why no tax returns are required • When to use a 12 month versus year to date Profit and Loss • How this program helps entrepreneurs with high revenue and low taxable income • Using the Profit and Loss loan for purchase, refinance, or cash out refinance Tools and ResourcesVisit www.seimortgage.com for Non QM program guides, calculators, and resources for self employed borrowers.DISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice Financial advice Tax advice Real estate advice A commitment to lend An offer, quote, or guarantee of loan terms Loan guidelines, program availability, rates, underwriting rules, and qualification methods - especially for Non-QM mortgage programs - can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender

If you are building a real estate portfolio, the biggest challenge is often the same. Your personal income has nothing to do with how your investment properties perform. Traditional lenders still want tax returns, pay stubs, and personal debt to income ratios, even when the property can easily pay for itself.This episode breaks down the DSCR Loan, also known as the Debt Service Coverage Ratio Loan, the most popular Non QM mortgage for real estate investors. Instead of looking at your personal income, lenders qualify you based solely on rental income and property cash flow.You will learn how DSCR is calculated, how rental income can cover the entire mortgage payment, why no tax returns or personal income documentation are required, and how investors use this program to scale faster with less friction.We cover loan programs for, long term rental, short term rental qualification, cash out refinances, and how DSCR loans help investors buy more doors without their personal DTI getting in the way. If traditional lenders say you do not qualify, this episode shows why the property itself may qualify you.In This Episode:• What DSCR, Debt Service Coverage Ratio, means and how it is calculated • Why no tax returns, W2s, or personal income verification are required • How rental income determines your loan approval • DSCR requirements for long term rentals and short term rentals such as Airbnb or VRBO • Interest only mortgage options for investors • Using DSCR for purchase, rate term refinance, or cash out • How investors scale faster by removing personal DTI from the equationTools and ResourcesVisit seimortgage.com for DSCR calculators, loan guides, and investor resources. Or calculate your property to see if it works for a DSCR loan: https://seimortgage.com/dscr-calculator/DISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice Financial advice Tax advice Real estate advice A commitment to lend An offer, quote, or guarantee of loan terms Loan guidelines, program availability, rates, underwriting rules, and qualification methods - especially for Non-QM mortgage programs - can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender

If you’re self-employed or run your own business, you already know the struggle. Your tax returns never show the full picture, and traditional lenders use taxable income instead of the real deposits flowing into your account.In this episode, we break down the Bank Statement Loan, the most popular NonQM program for self-employed borrowers and real estate investors. You’ll learn how lenders calculate income using 12–24 months of deposits, how expense factors replace write-offs, and why no tax returns, W-2s, pay stubs, or P&Ls are needed.We also cover qualification basics, higher DTI limits, interest-only options, 40-year terms, and how this program can be used for primary homes, second homes, or investment properties. If you’ve ever been told “you don’t qualify,” this episode explains why the problem isn’t you, it’s the documentation the bank is using.In This Episode:• How Bank Statement Loans calculate income using deposits • Why no tax returns are required • Expense factors and how they work • Qualifying with 12 months of self-employment • Higher DTI limits up to 55% • Interest-only and 40-year mortgage options • Using the program for primary, second home, or rental purchasesTools & ResourcesVisit seimortgage.com for calculators, program guides, and resources for self-employed borrowers, including the Bank Statement Calculator: https://seimortgage.com/bank-statement-calculator/DISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice Financial advice Tax advice Real estate advice A commitment to lend An offer, quote, or guarantee of loan terms Loan guidelines, program availability, rates, underwriting rules, and qualification methods - especially for Non-QM mortgage programs - can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender

If you’re self-employed or building a real estate portfolio, the mortgage world can feel like it was not built for you. Traditional lenders rely on tax returns, W-2s, and outdated underwriting boxes that simply don’t reflect how modern entrepreneurs earn money.Today, we’re kicking off the SEI Mortgage Podcast by pulling back the curtain on the Non-QM mortgage world — the side of lending designed for independent earners, business owners, content creators, contractors, gig workers, and full-time property investors.In this episode, host Ryan Marks breaks down exactly what QM vs. Non-QM means, why the Dodd-Frank Act changed how lenders evaluate borrowers, and how the “Ability-to-Repay” rule gave rise to the flexible loan programs that help real people qualify today.You’ll hear real-world examples of how Non-QM mortgages solve the very problems that make banks say no — like aggressive write-offs, fluctuating income, 1099 earnings, or properties that don't fit into the conventional lending box. Whether you're buying a primary home, looking to access equity, or expanding your real estate portfolio, these programs may open doors you didn’t know existed.If you’ve ever been told “you don’t qualify,” this is the episode that proves the problem isn’t you, it’s the documentation the bank is using.In This Episode, We Cover✔ What QM vs. Non-QM really means and why the Dodd-Frank Act pushed lenders into narrow underwriting rules✔ How the Ability-to-Repay rule works and why Non-QM loans still meet federal guidelines✔ Why tax returns fail self-employed borrowers and how Non-QM loans use real income, not taxable income✔ The core Non-QM programs that require absolutely no tax returns, including:Bank Statement Loans1099-Only LoansProfit & Loss (P&L) LoansDSCR Loans for Real Estate Investors✔ Why Non-QM has become essential for modern workers—from gig workers to entrepreneurs to full-time real estate investors✔ How to know which Non-QM program fits your situation and how to leverage these tools to scale your real estate strategyWant More Tools & Resources?Visit https://www.seimortgage.com for: • Non-QM program guides • Bank Statement & DSCR calculators • Loan comparison tools • Free educational resources for self-employed borrowers • Quick loan scenario submissionsOr speak with a Non-QM specialist directly at: 📞 1-800-401-1363Connect With the SEI Mortgage PodcastThe SEI Mortgage Podcast is here to empower self-employed borrowers and real estate investors with clarity, confidence, and real lending solutions. Each episode breaks down a different Non-QM loan strategy in simple terms, so you can build, grow, and scale without tax returns standing in your way.DISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice Financial advice Tax advice Real estate advice A commitment to lend An offer, quote, or guarantee of loan terms Loan guidelines, program availability, rates, underwriting rules, and qualification methods - especially for Non-QM mortgage programs - can change at any time a

SEI Mortgage Podcast — Official Trailerfor Self-Employed Borrowers and Real Estate Investors Looking for REAL Mortgage SolutionsIf you’ve ever been denied by a traditional bank… If your tax write-offs make your income look “too low” on paper… If lenders don’t understand your investment strategy or your business structure…👉 You’re in the right place.The SEI Mortgage Podcast is the show built exclusively for: • Self-employed borrowers • 1099 earners and gig workers • Real estate investors • Entrepreneurs & small business owners • Anyone who doesn’t fit the traditional “W-2 lending box”Ryan Marks, host of SEI Mortgage Podcast and co-founder of the Everyday Lending Group, this podcast pulls back the curtain on the entire Non-QM mortgage world to simplify the loan programs designed for the way you actually earn.Start Your Journey With UsExplore more tools, calculators, and Non-QM programs at: www.seimortgage.comGet in touch with us: 1-800-401-1363DISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice Financial advice Tax advice Real estate advice A commitment to lend An offer, quote, or guarantee of loan terms Loan guidelines, program availability, rates, underwriting rules, and qualification methods - especially for Non-QM mortgage programs - can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender