In this episode of The Moneyball Real Estate Show, Kevin and Steve dedicate the full conversation to what they prefer to call Investor-Specific Financing—officially known as DSCR (Debt Service Cover Ratio) loans. They explain why this type of financing has become a major “next era” tool for real estate investors, especially in the January 2026 market environment. Rather than underwriting you like a traditional homeowner loan (W-2s, tax returns, debt-to-income ratios, endless documentation), DSCR loans primarily underwrite the property—asking one core question: Can the rental income reasonably cover the debt service? Kevin and Steve walk through how DSCR works, why it reduces lending friction for business owners and people with complex financials, and why it can be more conservative than conventional loans in certain ways (because a property generally must cash flow to qualify). They also address the high-interest questions investors actually care about: personal guarantees, LLC ownership, whether the loan shows up on personal credit, and how DSCR lending helps investors avoid the conventional “10-loan limit” that often slows portfolio growth. Finally, they tie it all back to Moneyball’s current approach: in a higher-price, more volatile environment, the goal isn’t to “sneak into deals” with low-down-payment risk—it’s to play the long game with a more conservative posture, including a growing emphasis on 30% down and DSCR-style lending to create a smoother, more sustainable investing experience over decades.
Why they call it “Investor-Specific Financing”
What a DSCR loan is (and how it works)
Why this is a big win for business owners (and “interesting financials”)
LLC ownership + personal guarantee (the “clean structure” part)
Avoiding the conventional 10-loan limit
Rates, fees, and prepayment penalties (January 2026 reality)
Will it show up on personal credit?
What you need to qualify (simple but not “wild west”)
The “new era” Moneyball stance: more conservative by design
Kevin Clayson (00:02.523)
Well hello and welcome back to the Moneyball Real Estate Show with Kevin and...
Steve (00:08.782)
Steve, how are doing today, Kev?
Kevin Clayson (00:10.021)
Well, buddy, here we are back at it again. We've got a great topic today. I'm doing fantastic. Hey, at least we're in Utah and the place that really, really needs snow is getting none of it. But we don't have to battle the ice storm on the way home. So there's that.
Steve (00:30.508)
Well, it's still, I mean, and the other nice thing is that, I mean, it's cold right now. Like I think it was about 19 degrees this morning when I looked. But that's still warmer than it is out East right now. And we don't have any of the ice and we've been, we've really been wanting some snow. I'm like, I'm looking outside. We've got like just a little skiff. We just have not had any moisture. I'm looking at like Mount Timanogos right outside my window here at our office. And it's like, it's got some
snow like at the very top and that's like almost that's a 12,000 foot mountain and probably just like the top 2,000 feet of it maybe have some snow down below it's just brown it's crazy.
Kevin Clayson (01:01.36)
very top.
Yeah.
Kevin Clayson (01:10.775)
It's crazy. I'm like, are we just gonna get hammered? You know, because I feel like, you know, I mean, I don't know, I can't imagine if we go through winter like this without any snow, it's not great for Utah and our reservoirs. It's really, really not.
Steve (01:24.248)
Kev, I love using my snowblower. I've been looking forward to it all year. I got it serviced right before the season started. I have not had to fire that thing up. I'm just so disappointed.
Kevin Clayson (01:37.241)
Yeah, well, you know what, Steve, we're going to get through this together. OK, we are. Yeah. man, no, things are good. It has been cold. And with it being cold, you know, I just want to remind you and I think maybe your truck does this. You know what my very favorite thing is about my Tesla? That I can open my app and I can defrost my car five or eight minutes or whatever before I get into it or just warm up my car.
Steve (01:41.578)
Okay. I appreciate that.
Kevin Clayson (02:07.141)
before I get into it. And I know that there's other cars that do that, you remote start, but I love, can open my app, I I hit one button and all of it just automatically starts to defrost all everything I need. It's great. That's my favorite thing. My wife says I'm bougie. I think I just like warmth. That's it.
Steve (02:26.828)
Yeah, I'm really surprised that you're saying that that's your very favorite feature on your car. I can think of one other feature that I think that you probably like like better even better than that. But you know.
Kevin Clayson (02:31.761)
Yeah.
Kevin Clayson (02:36.152)
It-
I do I do like the speed of it. In fact, I was thinking about you over the weekend because I was I got to a stoplight and there was a truck and it looked a lot like your truck. It wasn't you was a different color, but it was a similar type of truck. And I know you've got some juice in that thing, right? I know that thing has some get up and go. And this guy, he comes cruising up to the stop sign. I mean, to the stoplight going really fast. And I'm like, okay, I could you can just kind of sense when somebody's got ants in their pants, and they're going to jump the light.
And so as soon as I saw him come up, was like, and not that we were racing because I don't race, but as soon as that light went green and he takes off, I gave it like one or two seconds. And then I just laid it on and I dusted him so quick. And then and then I slowed down because I'm not trying to get anywhere fast. And he just kept speeding up like he was trying to make a point. And I was like, drive safe, buddy. I know I am. Yeah, it was awesome.
Steve (03:33.25)
Yeah, that's why. Well, I don't want to belabor the point, but that's not the feature I was thinking about.
Kevin Clayson (03:39.236)
okay. Well, okay, I need to know what it is. And then we're actually gonna talk about real estate. What do you think?
Steve (03:44.216)
Well, it's the first is like you were so excited to like share that feature with me when you first bought he said it was your your son. I think it was Brody's favorite feature as well. Yeah.
Kevin Clayson (03:52.722)
Is it, is it that it farts? Is that what it is? Yes, that is a good one. Yeah, that is a family favorite. Well, not a family favorite. That is a me and my children favorite. My wife, not so much, yeah. that's awesome. Well, dude, hey, we've got a great topic today. And this is something that as I'm on client calls, I'm sort of surprised how few people.
Steve (03:56.6)
Yeah. Yeah.
Steve (04:01.166)
or
Steve (04:06.158)
Right. Anyways, we digress.
Kevin Clayson (04:20.491)
know about what we're gonna talk about here today. what we're gonna talk about today has an official name, but I wanna reframe the, I wanna reframe or at least set a frame for what this is before we kind of tell everybody the official name of it. We've mentioned it before on the podcast, but we haven't, I don't think, done a podcast dedicated to this, and we thought that this would be a really good opportunity because now is such a great time to buy. This can make buying a lot less.
a lot more frictionless, I should say, at least on the lending side. And it's something that we like to refer to as investor-specific financing for Moneyball Real Estate. And what we're talking about is a loan that is different than all of the type of lending in some ways than we've been doing for years, right? We, on this podcast, in the book, we've talked all about
the merits of a 30 year fixed loan and conventional loans and how it is the greatest interest rates on the planet to do conventional lending, but then it's got some limitations. And the limitations are qualification for it. There's a lot of hoops that you have to jump through, a lot of documents that you have to submit. It can cause a little bit of friction in the process. However, it's a trade off we're willing to make because you could get such awesome terms, awesome...
rates on loans when you're buying real estate. But what we're talking about today is something different than conventional financing. It's considered in the industry a non-QM. It's something called DSCR or debt service cover ratio loan that we like to refer to, like I said at the beginning, as investor-specific financing for money ball real estate. So today we're gonna talk about what this loan is, how it works,
how you qualify and how it can play a role in your real estate portfolio to reduce friction and increase the ease with which you can continue to buy real estate without some of the limitations that conventional lending gives you. So that's the topic.
Steve (06:30.902)
Yeah, I love it. mean, we've really, I mean, it's been the last couple of years that we've slowly ventured into this. And I think it's been only slow because at first the rates weren't quite as good. You you're paying anywhere from one and a half to two points more for all the benefits that you get for a DSCR loan. But over the last year and a half, two years, like,
lenders have really adapted to the market with slightly higher interest rates for 30-year conventional. And like the terms have improved to where we're within, if not like exactly equal to a 30-year conventional in terms of interest rate, timeframe, fees, fee structure, and that kind of a thing that like it is so close in terms of all of those great terms that you get from a 30-year conventional that
man, it just makes so much sense because of the many features. like that's not to downplay the 30 year, but a lot of our clients have, I'll just say interesting financials. Like they're a little bit more complicated. Many of our clients are business owners and their tax returns are a little bit more complicated because they have multiple revenue streams and different business interests and so on. And it can become.
kind of burdensome to go through the lending process because the underwriters require so much documentation. What's crazy and what can be so frustrating for many of our clients is that they could go and they could buy that home with cash, right? But they're choosing it alone because they want to take advantage of the benefit of leverage, which is super wise. But then they got to jump through these crazy hoops and they're like, you know,
The underwriters have their guidelines. And so this isn't a diss on them. It's just simply the rules with which they have to engage because they're selling these loans on the secondary market. And so they have to, they have very stringent criteria. And so even though a borrower, you know, like I say, they have enough money, they could buy one or two or three or multiple properties cashed. Like they're having to deal with these really call it very,
Steve (08:50.158)
I don't even want to use the word nitpicky, but just very particular requirement that creates this need for them to get all kinds of different documentation, right? Which can be difficult to get and they have to answer all these questions. sometimes when you're going through the process, it can be a little bit demeaning even because these people have worked so hard to be very successful and all of a sudden they're being questioned on like...
Kevin Clayson (09:09.179)
Yeah.
Steve (09:18.638)
$120 payment on something and because it affects their debt to ratio or whatever the case may be. So having said that, the nice thing about a DSCR loan is, and I'm gonna kind of probably oversimplify a little bit, but you really only need like two, maybe three or four things, right, that you need to submit and that's it.
Kevin Clayson (09:37.723)
Yeah.
Kevin Clayson (09:41.435)
Yeah.
Steve (09:41.96)
And because it's not based on you as a borrower, it's based on the property. And so that's one of the greatest benefits of it. I did five of these loans this last year and it was so nice. It was so awesome.
Kevin Clayson (09:58.726)
Yeah, and so, no, it is. And so just to kind of help everybody understand what this is, if you're not familiar with this kind of investor specific financing, what we're talking about here, these DSCR loans, it's a mortgage, but the financing is underwritten on the property first. So it's really kind of treated more like a business asset than it is sort of an in-depth look at your personal financial situation to see if.
you qualify, right? And so the approval is based on just a few things, right? So rental income being the primary. So these DSCR loans, these lenders that are extending these loans, they want to see that the rent and expenses, et cetera, will cover, or I should say the rent that's collected will cover the expenses associated, right? So think of it like this. If you,
have a property and the projected rent on the property is, let's say $2,000 a month. Let's say the mortgage is $1,800 a month for everything, right? That is going to qualify. In fact, let's say that the mortgage is $1,995 and you're projected to get $2,000 a month, it will likely still qualify because it's what effectively is a one-to-one ratio.
And so what lenders are looking at is will this qualify based on the net operating income being generated by the property and what the projected expenses, including mortgage, principal interest, tax and insurance may be. And so they're looking for the debt service to be covered by the rent that's being collected on the property. So on a long-term rental,
Right? You know, the rents may be a little bit lower. Some, you may have to put more money down in order for the debt service cover ratio to work, right? Maybe you have to put 30 % down, which is not a bad thing to do ever on a property. Maybe you have to put 30 % down just to make sure that a DSCR loan can work on a long-term rental, but like on a midterm rental where the rents are, you know, projected generally higher.
Kevin Clayson (12:19.469)
It's pretty easy to qualify with the DSCR loan. so really what this sort of investor specific financing and asking is can this asset support its own debt as opposed to how much did you make according to your W-2 and tax returns last year?
Steve (12:39.724)
Yeah, that's one of the coolest things is from that standpoint. You know, another great feature that I really like about these loans is that you can purchase the property in the name of an LLC. And so you can fund your LLC upfront with the down payment money. And then you're actually, so.
What's nice is that you're not having to, you know, after the fact, after you purchase it, you go through this process to, for some of our clients who like to hold their properties in the name of their LLC, they then have to do like a quick claim deed and there's additional fees and different, know, jumping through that hoop can be just a little bit, you know, strenuous. And so being able to buy it in the name of your LLC, even though you're, you know, you're,
getting alone on is one of the other great features that I love. It just kind of simplifies things.
Kevin Clayson (13:39.538)
Well, yeah, and so, you know, we've had the discussion here on the podcast and we've talked about it in the past, which is, you know, do you want to put the property in an LLC? You know, do you not want to put it in an LLC? And when it's been conventional mortgages that we've been utilizing, in large part, we said, look, it's probably better to do the property in your name and then do a quick claim deed into the LLC, but if that's what you want to do, but there's...
You know, if you do something like that, if you want to go and refinance that property, you've got to pull it out of the LLC. It's got a season outside of the LLC. And so a lot of times we've had clients that are like, well, I'm going to buy it conventionally. I'm going to have an LLC that I run my rents through or whatever. And I'm going to own it personally. And I'm going to make sure that the property is adequately insured, both with the standard insurance that you need and maybe an umbrella policy or something like that. With this, though, like you said, Steve, you can fund the LLC.
the loan will be personally backed by you, but it could be a loan and a property that's owned by the LLC. And so, if you guys heard what I just said, is these loans are personally guaranteed, meaning you are the one that they are effectively extending the loan to based on the terms that the property is gonna cover its own debt service. So you have to be attached
but it doesn't necessarily mean that this is gonna show up on your credit. And even if it did get reflected on your credit, it's not gonna take one of the 10 slots of a conventional mortgage, which is one of those other things. We've had to think about that for years when we've got clients that are owning multiple properties, it's like, well, we've got 10 spots available on your credit to be able to go and get conventional loans. And so some of our clients have got creative and some loans are purchased.
you know, by maybe the husband or properties purchased by the husband and other properties purchased by the wise so that they can extend how many loans are showing up on their credit. What's nice is with this, I mean, you could have 20 or 30 of these, you know, the qualification for them gets slightly more difficult the more properties that you want. we'll talk about what it takes to get pre-approved and kind of qualify for these loans in just a second. But you're not, you don't have that 10 loan limit and you can own the property in an LLC. We're not gonna,
Kevin Clayson (16:05.637)
beat our heads against the wall with this stuff of, I've got to, if it's in the LLC, can I refinance it? I've got to pull it out of the LLC. I've got to go quick claim deeded. And what if that triggers the due on sale clause, which is sometimes a provision inside of a loan that says, if you don't own this property, we're making this in the conventional lending world. They're making the loan to you, not on the, they're making it to you based on the subject property. But if they say, if that property is ever not owned by you, we can call the due.
we can call the loan due. We've never seen that happen. But in theory, if you took the property out of your name and put it in the name of your LLC, but they made the loan to you, you can see how that could be, you know, kind of murky waters at times. And so this keeps it really clean. And the interest rate that now look, this is not always the case, but as of last week, the interest rate on a DSCR
you know, these investor specific financing loans, the interest rate on them was the same as it was on conventional loans as of last week. And that's assuming that the property can cover its own debt service. it does DSCR loans do include typically a prepayment penalty, which is not a big deal because, you know, we're never looking to pay these properties off within a couple of years. So in other words, you know, if you have a two year prepayment penalty,
on this DSCR loan, just means you can't, if you try to pay off this loan before two years, they may charge you some additional fees or something like that. But we're not hanging on to these properties for two years, we're hanging on to them for five, seven, 10 years. So now you've got cleaner qualification, it could be owned by an LOC, it's the same or similar interest rates to conventional lending, it's easier to qualify, the loan is personally guaranteed but can be
effectively extended to the property in the LLC, it's just a really clean way to own real estate without some of the limitations and qualification standards that come with conventional lending.
Steve (18:18.636)
Yeah, and you summed that up pretty good, Kev. And one of the nice things is that over the last couple of years, like I mentioned, strategic lending, which is the mortgage brokers that we use, I mean, we've gotten very good at them. Dustin and his team are fantastic. Like they've got them figured out. Now, if you're going to talk to Dustin, it's really these loans are a lot more simple for the investor, a little bit more complicated for the
for the team who's processing them behind the scenes. As much as we love our strategic lending, we're more concerned about our clients having a great experience than them on the side like actually doing the lens. So hopefully, Destin's not listening to this right now because...
Kevin Clayson (19:00.569)
Right, yeah. translation there, Dustin, if we make your life hard, we don't care, because this is awesome for our clients. That's a translation.
Steve (19:09.582)
But you know, whenever you do something new, it's not just us figuring out this newer loans, but the underwriters themselves. For many underwriters, this type of loan has been changing quite a bit over the last, like I say, 18 months or so. And so they've been running to catch up and to figure out, and a lot more people are using these loans. And so,
There's been a little bit of a learning curve for the lenders themselves as people have done these, the frequency of using them has gone up. So it's a great thing. And I think with even with a little bit more time, it'll get a little bit easier and easier for those who are, for the professionals, the licensed people who are actually doing them. So I personally, I love him, Kev. Have you done one yet yourself?
Kevin Clayson (20:05.795)
I haven't done one yet. No, all the ones I've done have all been conventional. And so the next one, I definitely think it's gonna simplify it, to have it as a DSCR. One thing I'm not super clear on, Steven, maybe you know, will a DSCR loan, and I should have done research on this or asked Dustin or something before, but I think you may know the answer. Is it gonna show up on my credit? Like if I go get a DSCR loan,
Steve (20:07.288)
Yeah.
Kevin Clayson (20:33.585)
It's gonna show up on my credit as a loan on my credit, but what happens if I default on that loan? Will it affect my credit? What does that look like? How does that, talk me through that aspect of it.
Steve (20:49.09)
Yeah, so as far as your first question, so you asked me two questions. The first one is, will it show up on my credit report as a loan? Now with some lenders, the way that they underwrite them, they do show up. And then there are other lenders who offer these types of loans. It doesn't show up on your credit. Now I don't know what the specific mechanics of why it shows up with some lenders and it doesn't show up with others, but that's been the case that we've,
experienced with a number of our clients. So, but we do know the different lenders and what the scenarios are. So if you're like, Hey, I do not want this to show up on my credit. We know that the specific lenders who we, you know, broker through to, you know, accommodate that request on the, on the question of, you know, if something were something bad were to happen, if you defaulted on the loan, will that show up on your own personal credit?
I did a little bit of research into that because I was interested in that question as well. And to the best of my understanding, again, I'm not an attorney, but I went through the contracts that I signed and I had, you know, our team ask very specifically to the to our reps with the different companies. And I was assured that it would not show up.
So you are the personal guarantor. And so there are some ramifications there. So don't think that you could just like default on the loan and like have no consequences, because there will always be consequences. But whether it would show up on your credit and ruin your credit, that kind of a thing. My best understanding is that no, like you are the guarantor, but you personally are not getting the loan. It's your LLC that's getting the loan.
and it's going against the property. And if there were an issue, the backers or the buyers or the owners of that loan feel confident that they could just take that property and that they could be made whole.
Kevin Clayson (22:57.999)
Right, and that's because they're making sure that it's going to cover, it's gonna be able to handle the weight of its own debt. And I think the phrase that I like here is, you're the personal guarantor, but a personal guarantee doesn't mean personal liability is unlimited. It just means that you're standing behind the business you own, right? You're standing behind this property that you're getting. And so,
you're still gonna have insurance, that's still a part of it, there's still gonna be an interest rate, there's still principal and interest and tax and insurance that you're gonna be paying. It's just, especially when it comes to the LLC and effectively owning this property in the LLC, the loan being extended to the LLC, avoiding the 10 loan limit, all of those things are really good. Now, in the past, there have been times when the DSCR loan was requiring
larger down payments when the fees were a lot higher, when the interest rate was a lot higher. And we already kind of alluded to it in this environment at the time that we're doing this podcast here in January of 2026, you know, there is a lot of similarities to both interest rate and, and some of the fee structure and the down payment requirements. And so it's not terribly different than conventional lending, which is nicer.
generally gonna be 30 year fixed loans, right? But like we said, may have, it almost definitely will have a prepayment penalty. So you just need to be aware of that. But what this DSCR loan is not, because I know that I've had this question come my way, people are worried that this type of lending is us sliding the scale or the pendulum back to what it was before the mortgage crisis where
You know, people could just state their income and state their assets. That is not what this is. In fact, let me just go through briefly what you need to do to pre-qualify or to get pre-approved in order to get a DSCR loan. So you still need to fill out a credit application. Credit still needs to be checked and pulled. You know, they want to make sure that, you know, you don't have a hundred homes in foreclosure. You haven't defaulted on everything that you own, right? Because you are the personal guarantor.
Kevin Clayson (25:14.565)
You are standing behind the business. you do still need to fill out an application. There will still be a credit check, but what you don't have to do, you're not having to provide W-2s, tax returns, pay stubs, because it's not based on your income or your debt to income ratio. What the lenders do want to see though, is they want to see that the loan is going to be covered by the rent that the property is going to generate.
And then what they're gonna ask you for is they wanna see an asset statement. Like Steve said, if you fund the LLC with the money that you're gonna use to buy the property, they wanna see that there is enough money to buy that property and everything that the property is gonna need. And there's at least six additional months of principal interest tax and insurance payments in addition to what's required to buy the property.
So you need to overfund the LLC, not just what's gonna be required to buy the property, but what's gonna be required, plus an additional minimum six months principal interest tax and insurance. The other thing that they generally like to see as you're qualifying is they want a mortgage statement on all currently owned properties with financing. So if you own three or four properties, you know, and you've got a conventional loan, they just wanna see that mortgage statement and they wanna see the assets and they're gonna take a look at credit.
but that's effectively it. So if you think of, okay, if I'm doing conventional, I've got to fill out the application and then I'm going to upload my pay stubs and then I'm going to upload, you know, whatever my business tax returns, my individual tax returns, they're going to comb through those. They want to see my W-2s. They want to see my most recent pay stubs. I may have to explain what my employment is. So for example, somebody that just switched jobs, maybe they switched industries. Sometimes on the conventional side, they don't want to extend that loan because they don't have any guarantee that, you know, you're
you're gonna stay in that industry or maybe you're self-employed and so you write off as much as you can on your taxes so you make great money but you don't show any income. Well, that's not gonna matter for the DSCR loan. It's gonna be is the money there to buy the property and service it and they wanna see those mortgage statements on existing financed properties that you own. So, especially for somebody that's already done a couple properties, a DSCR loan can be.
Kevin Clayson (27:30.381)
excellent or if somebody's successful business owner, they write a lot of things off on their taxes. If they have a complicated financial life, all of that makes a DSCR loan a really attractive option.
Steve (27:43.981)
Yeah, no, agreed 100%. I again, I can't speak highly enough of them. They're a great option. Commential 30 years still great. mean, no, no worries there. And that's always a great way to go. But to have this as as another option. Kev is is is you and I have talked many times. It's like, man, like, this should be like the number one, you know, and the
Kevin Clayson (27:53.776)
Yeah.
Steve (28:11.756)
way of how we promote investing in real estate because it truly is an investor-specific loan that just makes the whole process so much easier.
Kevin Clayson (28:21.103)
And so really guys, if you're listening, the approach that you're gonna see us taking over the next year is we just kind of continue to gauge the environment and say, what is the safest, best, most profitable way to acquire and own investment real estate? You're gonna hear us advocate 30 % down DSCR loans, often, all the time. That is the new era of Moneyball real estate as you look to the future. Now it's not to say that we're...
getting rid of the ability to do 25 % down. But just like 20 % down existed for a long time, and then we really phased into 25 % because that makes the owning of the investment real estate make so much more sense. 30 % is really probably what you want to plan on and look at as we move to the future, as well as really relying on DSCR loans as we move forward for your portfolio. Couple things to clear up just real quick and we'll wrap up the episode. This is not a remove all risk type.
of a loan, right? You still bear responsibility because it's personally guaranteed. It's removing lending friction, but it's not removing responsibility, okay? And this is not aggressive financing. It's not the, you know, no money down and, you know, some sort of weird, funky loan type. And you can just say how much you make and state how much money you have. This is still, you have to qualify for this loan. So it's not aggressive financing, but it is
cashflow based lending that is conservative, which is why we love it. This is frankly a really conservative approach to real estate, right? Cause even on a conventional loan, they would be willing to extend a loan if you were gonna be negative cashflow on a property. And not that we care about cashflow necessarily, but think about that. A conventional loan is willing to be extended if you're a negative cashflow. You won't get a DSCR loan if it's gonna be negative cashflow.
So frankly, it's more conservative than even a conventional loan in some ways.
Steve (30:23.342)
Okay, I was gonna say like this truly is like the next color iteration of DFI real estate investing in that we're going from a, know, four to one ratio of, hey, for the price of owning one cash, you can get four properties with 25 % down. We're now saying, hey, in this new environment, in this environment of higher prices and conservative rents,
And in an environment that is a little bit more volatile than we've experienced even in the past, our approach is not to go the opposite direction with higher prices and say, hey, we can get you a loan for 10 % down, because now you can actually squeeze in and sneak into this property. It's the opposite. We're now going to a one to three ratio, where it just makes so much sense to approach real estate investing
from a little bit more conservative standpoint so that you can get the cash flow that will maintain your property for the most part. Meaning you're not having to come in with a bunch of outside cash all the time to take care of the ongoing messiness of owning real estate and the repairs and so on that happened with real estate, because that is a part of it. We're taking the approach of we want to set our clients up for a good positive experience so that they come back
again and again and again. And if you're in a situation where you've leveraged too much, it gets a little bit, you
messier from the standpoint of having to come in with outside funds on a regular basis. This just helps with that whole process to where, you know, we talk about money by real estate. We've talked about cash flow in the past. It's really, it's really about the experience that you have throughout the long play, right? Because we're all about this long-term investment. And when we can help our clients create a more positive experience, not just from a financial standpoint, but from an ongoing management standpoint,
Steve (32:30.124)
I feel like that's part of our job. As the environment changes, it's our responsibility to our clients make better and better decisions, to have better and better experiences over the long haul. And this is one of those where it's like, hey, we can still do 25 % loans and they can still make a lot of sense, but pushing and promoting, moving to that 30%, a three to one ratio, it just makes sense in this environment.
Kevin Clayson (32:57.297)
I love it. That's great. It's a great way to wrap the episode guys. This investor specific financing exists because real estate investors don't think like traditional homeowners, right? As investors, we think different, right? We think at different terms. We evaluate properties differently. You we think in terms of portfolios and economic independence. We think in terms of decades, not quarters, right? And so when we can match the right strategy, the right type of real estate with the right type of financing,
That's when real estate really starts to do the thing that we're all signed up for it to do, right? And so that is what this is. We think it moves the needle in a really positive way for real estate investors across the board. So we hope this episode was interesting and informative. Share it with your friends and family. If they've heard about DSCR, they don't know about it, or if they just wanna hear about this really cool investor specific type financing, hopefully this is a very shareable episode.
something that has been beneficial for you. If you have any questions, reach out. Feel free to email me, kevin at dfy-realestate.com. Happy to answer any questions, happy to jump on a call. You can always visit dfy-realestate.com and you can request a call. There's a book call button there and we can jump on a call anytime. And would love to answer your questions, love to be able to help you guys out. Thank you so much for joining us on the Moneyball Real Estate Show. That's it for today and we'll see you next week.
Steve (34:24.525)
Have a great night.