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
21 episodes
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...
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11:52
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...
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22:20
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...
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13:26
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...
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7:11
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...
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15:56
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...
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20:35
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...
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6:00
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...
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15:18
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 ...
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17:16
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...
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12:03
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...
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42:13
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...
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9:07
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...
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48:40
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...
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11:44
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...
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15:35
EP. 5 - The Profit and Loss Loan, How 1099 and Self Employed Borrowers Qualify Without Tax Returns
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 w...
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11:53
EP. 4 - Profit and Loss Loan: A Simple Path for the Self Employed
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 mortga...
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19:15
EP. 3 - The DSCR Loan: The Ultimate Mortgage for Real Estate Investors
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 t...
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24:53
EP. 2 The Bank Statement Loan - Built for the Self-Employed
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 epis...
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19:26
EP. 1 - QM vs Non-QM Loans: What Self-Employed Homebuyers Need to Know
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...
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14:49