When it comes to getting financing and protecting your cash flow, one number rules them all: Debt Service Coverage Ratio (DSCR). 📊

In this episode, we break down why banks demand a DSCR of 1.20–1.25 or higher—and what it really means for your investments. You’ll learn the simple formula (NOI ÷ Total Debt Service) and why a DSCR below 1.0 spells trouble. 🚨

But we don’t stop at the basics. We’ll show you how to stress-test your DSCR against rising interest rates, unexpected expenses, and cash flow dips—so you’re prepared for any market shift. 💪

Key takeaways:

✅ Why DSCR is the first number lenders look at for approvals

✅ How to use historical data—not wishful thinking—for accurate projections

✅ The power of sensitivity analyses in planning for long-term stability

Whether you’re analyzing your first deal or scaling your portfolio, this episode will help you use DSCR as both a financing tool and a risk management strategy. 🌴 Want to travel, spend more time with family, and stop trading time for money?

See how our passive investors are doing just that at www.dreamlifefund.com

In this episode of Real Estate to Freedom, we dive into one of the most overlooked yet game-changing aspects of real estate investing: timely and accurate financial reporting. 📊

From income statements to balance sheets, financial reports aren’t just paperwork for the bank or the IRS—they’re your roadmap to profitability, cash flow management, and smart decision-making. Waiting too long to review your numbers means you’re managing your business with outdated information, putting yourself at risk of missed opportunities, compliance issues, or even running out of cash.

Here’s what we cover:

✅ Why financial statements are your most powerful management tool

✅ The dangers of delayed reporting and how it hinders growth

✅ Monthly and quarterly routines to track trends before problems grow

✅ The difference between cash vs. accrual accounting—and why accrual gives you a clearer picture

✅ Tools like QuickBooks, AppFolio, and even Google Sheets to streamline your reporting

✅ Best practices for giving investors confidence with timely updates

Action Steps for Listeners:

Review your current financial reporting process and spot areas to improve.

Set a monthly or quarterly schedule for updating your books.

Choose the right accounting tool for your portfolio.

Consult an accountant to confirm whether cash or accrual accounting best fits your strategy.

💡 Remember: The faster and more accurately you know your numbers, the faster you can make the right moves for your investments. 🌴 Want to travel, spend more time with family, and stop trading time for money?

See how our passive investors are doing just that at www.dreamlifefund.com

In this game-changing episode of Residential Real Estate Tuesdays, we break down how using other people’s money (OPM) is the key to accelerating your path to financial freedom.

You'll hear two contrasting stories—Chad, who limited his success by using his own savings, and Kapil, who built a real estate business flipping up to 14 properties at a time without ever tapping into his own reserves. The difference? Kapil understood the power of leveraging other people’s money responsibly.

We dive into how to use hard money and private money lenders, the biggest mistakes to avoid, and how to build trust with people who want to invest in your success. If you’ve been hesitant to borrow for your deals, this episode will reframe your entire mindset—and give you the steps to do it right.

💬 “If you use your own money, you can do one deal. If you use other people’s money, you can do unlimited deals—as long as you protect their trust.”

👉 Join the Freedom's First Deal: 90-Day Challenge Kickoff today:

www.realestatetofreedom.com/90-day-kickoff