Your Properties Are Equity GOLDMINES, Here's A SECRET to Cash-Out NOW

Start here: https://seimortgage.com
Banks judge you by tax returns instead of real cash flow, so self-employed earners and investors get declined for HELOCs and fixed seconds. In this episode, Ryan shows how Non-QM HELOC/HELOAN options use bank statements or DSCR to tap equity without touching your first mortgage, plus what it actually takes to qualify. 

🔥 What you’ll learn:
• When bank-statement HELOCs make sense vs tax-return underwriting
• DSCR fixed seconds for rentals and how cash-flow qualifying works
• What docs you actually need: 12–24 months deposits, expense factor, FICO
• LTV, DTI, and rate tradeoffs (e.g., higher DTI caps, up to 90% LTV primary)
• How Ryan evaluates scenarios and maps next steps

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⏱ Timestamps
0:00 Why banks said no and what to do instead
0:18 Non-QM HELOC/HELOAN overview
1:57 Why QM DTI rules block approvals
3:30 HELOC payments and how they’re calculated
5:05 Qualifying with bank statements + expense factor
6:07 Higher DTI caps and credit score flexibility
8:26 LTV limits: primary vs rental properties
9:46 Using DSCR for a fixed second on rentals
11:14 Real-world use cases: repairs, seasonality, safety net
12:40 When a Non-QM second beats a cash-out refi
14:56 Next steps and how to see if you qualify

(Titles):
Denied For A HELOC? Use Non-QM To Tap Your Equity
How Self-Employed Borrowers Get Cash Out Without Tax Returns
Non-QM HELOC vs Fixed Second: Which One Should You Use?
Use Bank Statements or DSCR To Access Equity Fast

(hashtags):
#mortgage #NonQM #SelfEmployed #RealEstateInvesting #SEIMortgage

(tags):
self employed mortgage,bank statement loan,DSCR loan,non qm mortgage,how to qualify without tax returns,mortgage for entrepreneurs,investment property financing,ability to repay,DTI explained,loan options for 1099 borrowers,non qm heloc,non qm second mortgage,bank statement heloc,dscr second mortgage,access home equity without refi,high ltv heloc,cash out for investors,real estate portfolio financing

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