SEI Mortgage Podcast
SEI Mortgage is the podcast dedicated to helping self-employed borrowers and real estate investors get the financing they need, even when traditional banks say no.
We unpack Self-Employed & Investor mortgages, practical solutions designed for people whose income or goals don’t fit into the traditional lending box.
Each episode explores loan options like:
- Bank Statement Mortgages
- 1099 Income Loans
- Profit & Loss Programs
- DSCR Loans for Investors
- Alternative & Creative Financing Options
Discover smart mortgage solutions and explore all the options available.
Visit @ https://SEIMortgage.com
for all episodes, articles, tools, and additional resources. NMLS #519138
Episodes
31 episodes
Is a Fourplex a Commercial Loan? DSCR on 1 to 4 Units
A fourplex does not push you into commercial financing. The residential line sits at 5-units, and everything below it keeps the DSCR playbook you already know. This episode breaksdown a 4-Plex at a $650,000 purchase price, runs the debt service...
How Much House Can You Afford on 100k Income
If you make $100,000 a year self employed, a lender does not qualify you on that number. It qualifies you on what is left after your write offs. Two borrowers with identical income can end up with very different approvals. This video walks the ...
DSCR Loan vs Conventional: Which Really Costs Less?
DSCR loan vs conventional loan: which one actually costs less for your rental property? The interest rate on a DSCR loan usually looks higher on paper, but once you factor in conventional pricing adjusters and the prepayment penalty lever, the ...
How DSCR Loans Work: Qualify With Rent, Not Tax Returns
How do DSCR loans work? In this episode of the DSCR miniseries, Ryan Marks walks through the exact math lenders use to qualify you based on the property's rent instead of your tax returns, using a real 300k purchase example, plus the features t...
DSCR Loans Explained: 100% of Rent Counts, No Tax Returns
DSCR loan vs conventional financing: which one is right for your rental property purchase? In this episode of the DSCR miniseries, Ryan Marks explains why investors and self employed buyers choose DSCR loans even when conventional financing loo...
DSCR Loans Explained: Buy Investment Property With NO Tax Returns (2026 Guide)
Bank said your tax returns don't show enough income? You're not stuck — you're just using the wrong loan. In Episode 1 of our DSCR loan miniseries, I break down exactly how the Debt Service Coverage Ratio (DSCR) loan lets self-employed borrower...
EP.24 - Top 5 Reasons To Get a Bank Statement Loan In 2026
Self-employed and getting denied by traditional banks? In this episode, Ryan Marks with SEI Mortgage explains the top 5 reasons to consider a bank statement loan in 2026. Learn how business owners, entrepreneurs, 1099 earners, and real estate i...
EP.23 - Top 10 Loan Programs For NonQM
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 y...
EP.22 - How to Buy Your Dream Home BEFORE Selling Your Current House | Bridge Loans Explained
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...
EP.21 - How BRRRR Investors Cash Out in 3 Months (No 6-Month Seasoning Required)
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 sca...
EP.20 - DSCR Loans for 5+ Units - A Different Game Than 1-4 Unit Financing
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 propertie...
EP.19 - Profit & Loss Loans Explained: How Self-Employed Borrowers Get Approved Without Tax Returns
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 retur...
EP.18 - Do Not Get a DSCR Loan Until You Know This
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...
EP.17 - The Mortgage Strategy Banks Don’t Talk About: How to Lower Your Payment Without Refinancing (Recast Explained)
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 over...
EP.16 - Denied by the Bank? How a DSCR Loan Helped this Investor Win Without Tax Returns
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 sel...
EP.15 - How to Protect, Grow, and Transfer Wealth the Smart Way
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...
EP.14 - DSCR Loan Explained: How to Use a DSCR Calculator to Analyze Cash Flow
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...
EP.13 - How to Refinance Inherited Property in a Living Trust | Buy Out Siblings with a Loan
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-breaki...
EP.12 - DSCR Loans Explained for 2026
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 ...
EP.11 - Closing Costs Explained : What Homebuyers Really Pay at Closing
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 Disc...
EP.10 - Fix and Flipping Real Estate Explained: Flipping Houses Without Costly Mistakes
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, analyz...
EP.9 - How to Calculate Your Bank Statement Income
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...
EP. 8 - Building Profitable Short Term Rentals From Day One
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...
EP. 7 - Pre-approved vs Prequalified: The Biggest Mistake Homebuyers Make
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 betw...
EP. 6 - Access home equity using a NonQM HELOC or HELOAN
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 tha...