Jeff Guo
speaker
1,187 appearances
10 recordings
1 series
first heard Dec 2025
last heard 11 Sep
Jeff Guo’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 10 in all, peaking in Dec 2025 with 3.
Appearances
You didn't have to bring your W 2 or prove years of income history.
Lenders didn't really care about how much money you had been making, or even how much money you made that year.
Why shouldn't the bank be looking at how much money I'm
Eric says DSCR loans are business type loans.
So they operate on business logic.
For DSCR loans, the main things that private lenders focus on are the landlord's credit score and the appraisal report, which shows how much the home is worth and the estimated monthly rent.
Basically, if the lender thinks that the estimated rental income for this home will cover the mortgage payments, it will approve the loan.
Eric says, this is the same logic behind the loans that big-time developers get to build office towers and apartment complexes.
The bank mainly cares about whether the income from the project will cover the debt payments.
That's why private lenders started calling these new mortgages debt service coverage ratio loans.
Over the past couple years, these DSCR loans have soared in popularity.
Eric says most of the people taking them out are mom and pop landlords.
And now DSCR loans are one of America's hottest new mortgage products.
In 2021, lenders originated about $20 billion worth of these loans.
In 2025, that number more than doubled to about $50 billion.
And a lot of that money was flowing from all over into Baltimore.
To unravel the mystery of who amassed the massive 700 home real estate portfolio in Baltimore, how they borrowed $100 million so quickly, Jack and Halley went through the property records.
They found that these loans came from dozens of different private lenders, with names like Cake Mortgage and Loan Funder LLC.
Lone Funder is actually connected to ROC 360, to Eric's company.
Jack says he was surprised at how simple and fast this was.
Showing 101–120 of 1,187 · page 6 of 60
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