DSCR Loans Explained: How Chris Farrell Helps Investors Build Wealth Beyond Cash Flow

Most real estate investors think their personal income or W2 is the key to financing deals… but they’re missing one of the most powerful lending strategies out there: DSCR (Debt Service Coverage Ratio) loans.

DSCR loans allow you to qualify based on the property’s own cash flow — not your tax returns or debt-to-income ratio. That means if the property pays for itself, you can unlock opportunities that traditional loans would shut down.

In this episode of Your Money, Your Rules, host Teresa Villaruz, founder of the THRIVE Movement, sits down with Chris Farrell — a Mortgage Loan Officer licensed in NC, SC, TN, GA, and FL — to break down:

✅ What DSCR (Debt Service Coverage Ratio) loans really are — in plain English
✅ Why focusing only on cash flow keeps investors stuck
✅ How market growth, tax strategies, and equity appreciation add hidden wealth
✅ The truth about down payments, LLC structures, and lending guidelines
✅ Why building strong referral partnerships is the key to scaling wealth

Chris also shares his personal journey, from entrepreneurship dreams to becoming a trusted lending partner, and his Mount Everest goal of building his own branch to empower more people in real estate.

🎧 If you’re a real estate investor, agent, or aspiring capital partner, this episode will help you see lending in a whole new way.
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🔗 CONNECT WITH CHRIS FERRELL
FB:   / chris.farrell.921  
Website: https://www.fairway.com/lo/chris-farr...
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🌱 LEARN HOW YOU CAN THRIVE WITH US
If this episode sparked you to put your money to work, explore THRIVE Banking—a strategy to protect capital in a tax-advantaged vehicle while funding real estate deals. Think: grow in two places at once. Learn more at https://www.thrivebankingstrategy.com.
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RESOURCES & LINKS
📘 Want to understand how the wealthy really grow their money?
Grab my book “Your Money, Your Rules: A Beginner’s Guide to Infinite Banking” on Amazon → https://amzn.to/44UhfuJ
🏘️ Want to learn how to make money in real estate without using your own money or becoming a landlord? → https://join.nre.ai/mQCs6xt