Bonus: Lower DSCR Loan Rates l Lower Down Payments l How To Get Approved For A Mortgage

Rental Income Podcast With Dan Lane

Rental Income Podcast

Business, Investing, Entrepreneurship

4.8 • 836 Ratings

🗓️ 29 January 2026

⏱️ 26 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

This bonus episode features Caeli Ridge from Ridge Lending Group, breaking down what’s happening right now with DSCR loans and why they’re getting so much attention from rental property investors.

Caeli explains how DSCR loan rates have been coming down and are now very close to Fannie Mae and Freddie Mac rates. We talk about why DSCR loans are often simpler than conventional mortgages, how they qualify based on the deal instead of the investor’s personal income, and why that makes them especially attractive for investors.

We also discuss how increased competition from DSCR lenders has pushed Fannie and Freddie to lower their down payment requirements. Single-family rental properties now require as little as 15 percent down.

Caeli also walks through the documentation needed for conventional loans and what credit scores lenders are looking for.

Listen in on a coaching call with Caeli and a client: https://rentalincomepodcast.com/bonus-tina

Contact Caeli:

Website
info@ridgelendinggroup.com
1-855-747-4343

Transcript

Click on a timestamp to play from that location

0:00.0	This is a bonus episode of the rental income podcast.
0:05.5	And now, Dan Lay.
0:07.8	Jayley, there's been a lot of really good changes for investors in the mortgage market recently.
0:13.4	And I want to talk about this.
0:15.1	Can you give us a preview of some of the things we're going to cover today?
0:19.6	Gladly.
0:20.1	We're going to cover some new updates on
0:22.7	debt service coverage ratio products. We are going to talk about Fannie Mae and Freddie Mac,
0:27.9	higher leverage opportunities, and I think we're going to go back to basics and just talk about
0:32.7	qualifications and make sure everybody is aware of some of the steadfast basics of how do we qualify for this
0:41.6	product or that product. Really great news. There's an opportunity to buy properties with
0:46.2	smaller down payments and it's gotten a lot easier to get approved for a mortgage. So on the show
0:51.7	today, we're going to walk through the changes and see if this is
0:55.3	something that might help you. Joining us on the show is Chaley Ridge. We'll take a quick break
1:00.9	to thank our sponsors. We'll come right back and we'll talk to Chaley. Are you thinking about
1:06.1	investing in rental properties, but maybe you don't know where to start. My friends at Mid-South home buyers
1:12.7	make it simple. For over 23 years, they've been selling fully renovated turnkey rental
1:18.6	properties in Memphis and Little Rock. We're talking new roofs, plumbing, electric kitchens,
1:24.8	bathrooms. Everything is brand new and done right.
1:28.6	And here's the best part.
1:30.4	Every property comes with a well-qualified tenant in place before you close.
1:35.6	That means you get cash flow from day one.
	...

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