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All things mortgage and real estate. From the basic first time home buyer scenario, to the seasoned investor with a diverse portfolio of properties, you will get something out of every episode. Find out what lenders are looking for, and set yourself up for success for your next home purchase or real…

Adam Lesner


    • Apr 4, 2025 LATEST EPISODE
    • monthly NEW EPISODES
    • 10m AVG DURATION
    • 62 EPISODES


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    Latest episodes from Mortgage Guide

    E062: How To Refinance A Mortgage With Bad Credit

    Play Episode Listen Later Apr 4, 2025 5:44


    In this episode, we break down how refinancing a mortgage is still possible, even with bad credit. If you think low credit scores rule out refinancing, think again. We'll explore practical tips, alternative options, and expert advice to help you understand how to improve your chances and navigate the process successfully. Tune in to learn how you can still take control of your mortgage, regardless of your credit history.Schedule a call with me here: https://calendly.com/lesnerap63/30min

    E061: What Are Rental Portfolio Loans?

    Play Episode Listen Later Mar 11, 2025 5:48


    In this episode, we dive into the world of rental portfolio loans, exploring what they are and how they can benefit real estate investors. A rental portfolio loan allows property owners to consolidate multiple rental properties under one loan, making it easier to manage and potentially offering better terms. We'll discuss how this type of financing can save time, reduce paperwork, and streamline cash flow management. Whether you're looking to expand your property holdings or simply simplify your investment strategy, this podcast is packed with insights to help you maximize your returns and navigate the world of rental property financing with confidence. Tune in for expert tips and practical advice on making rental portfolio loans work for you!Schedule a call with Adam Lesner anytime here: https://calendly.com/lesnerap63/30min

    E060: DSCR Loans Explained — “TikTok LIVE” Ep. 5

    Play Episode Listen Later Feb 11, 2025 28:45


    In this TikTok Livestream recap, we dive deep into DSCR loans—explaining how they work, who they're for, and why they're a game-changer for real estate investors looking for hassle-free financing.

    E059: DSCR Loan — Mortgage Without Tax Returns – ‘TikTok LIVE' Ep. 4

    Play Episode Listen Later Feb 4, 2025 29:49


    In this recap of the TikTok Livestream, we explore DSCR loans—no tax returns required.Learn how this alternative financing option works, who it benefits, and how it can simplify the funding process for real estate investors.

    E058: DSCR Loan – No Tax Returns – ‘TikTok LIVE’ Ep. 3

    Play Episode Listen Later Dec 3, 2024 39:04


    Getting a DSCR loan as a real estate investor without tax returns is a great way to accomplish your investment goals, if you have been told that you do not qualify for a mortgage because of your income situation. Schedule a call here: https://calendly.com/lesnerap63/30min If you want to be a part of the next live, please feel free to follow me on tiktok, just search mortgagebyadam or Adam Lesner. My goal is to help you accomplish your homeownership and real estate investment goals. My oxygen is getting borrowers approved when other lenders say it's not possible. More on DSCR loans here: https://balanceprocess.com/dscr-cash-out-refinance/ https://balanceprocess.com/dscr-loan-program/

    E057: DSCR Loan (Do You Qualify?) ‘TikTok LIVE’ (Ep. 2)

    Play Episode Listen Later Oct 25, 2024 24:00


    Covering everything you need to know about DSCR loans. You're welcome to schedule a call anytime here: https://calendly.com/lesnerap63/30min More on DSCR loans here: https://BalanceProcess.com/dscr-loan-program/ Be sure to subscribe and follow on tiktok ‎@MortgagebyAdam so you can be a part of the lives in the future. Semper Fidelis

    E056: No Tax Return Mortgage ‘TikTok LIVE’ Q&A (Ep. 1)

    Play Episode Listen Later Oct 16, 2024 35:32


    Today's recap on everything you need to know about getting a no tax return mortgage via DSCR loan or bank statement loan. Schedule a call with me directly here: https://calendly.com/lesnerap63/30minIf you want to be a part of the next live be sure to follow @mortgagebyadam on tiktokMore on no tax return mortgage loans here: https://balanceprocess.com/mortgage-without-2-years-tax-returns/Subscribe on youtube: https://youtu.be/0O7yQ7hiUUkSemper Fidelis

    E055: Mortgage without 2 years tax returns – 6 Options

    Play Episode Listen Later May 20, 2024 4:56


    Today we go deep into the 6 best options available if you're looking to get approved for a mortgage without having to provide 2 years of tax returns. Everything I covered here: https://balanceprocess.com/mortgage-without-2-years-tax-returns/ Subscribe on youtube here: https://youtu.be/0O7yQ7hiUUk

    E054: DSCR Cash Out Refinance

    Play Episode Listen Later Apr 10, 2024 5:42


    Today we cover the 5 most important things you need to know about getting a cash out refinance with a DSCR loan. Everything I covered here: https://balanceprocess.com/dscr-cash-out-refinance/ Full video here: https://youtu.be/QZ1NmIZoWAQ

    E053: Easy to Use Tenant Management Software

    Play Episode Listen Later Jan 13, 2024 21:56


    In today's episode we cover the ultimate tenant management software with the co-founder and CEO of Lendlord, Aviram Shahar. For access to all the premium features on Lendlord, free for three months, go here: https://lendlord.io/adam-lesner

    E052: Real Estate Deal Analyzer – Ultimate Guide

    Play Episode Listen Later Nov 24, 2023 6:18


    Analyzing a real estate investment deal. Premium LendLord features: https://lendlord.io/adam-lesner-us Everything I covered here: https://balanceprocess.com/real-estate-deal-analyzer/

    E051: Asset Depletion Mortgage – How to Get Approved

    Play Episode Listen Later Oct 17, 2023 5:04


    Today we cover everything you need to know about getting approved for the 2 best asset depletion mortgage loan options […]

    E050: Testimonial – Kind Lending and Floify

    Play Episode Listen Later Oct 10, 2023 7:02


    On today’s episode I just wanted to give some love to a couple companies that have made my life and […]

    E049: FHA Non-Occupant Co-Borrower Loan – What you need to know

    Play Episode Listen Later Oct 5, 2023 8:21


    I’m excited to share our latest in-depth exploration into the world of FHA loans, with a spotlight on the role […]

    E048: FHA Loan with 500 Credit Score | Getting Approved

    Play Episode Listen Later May 3, 2023 5:04


    In today’s episode I cover what you need to keep in mind if you’re trying to get an FHA loan and you have 500 credit. Link to everything I covered here: https://balanceprocess.com/fha-loan-with-500-credit-score/

    E047: Cash Out Refinance in Texas with Low Credit

    Play Episode Listen Later Apr 26, 2023 5:11


    Today we cover everything you need to know about getting approved for a cash out refinance with bad credit. Everything I covered here: https://balanceprocess.com/cash-out-refinance-in-texas-with-bad-credit/

    E046: High Debt to Income Ratio Mortgage

    Play Episode Listen Later Feb 28, 2023 8:13


    When your debt to income ratio is high, it's important to know what options you have when looking to purchase or refinance your home.  Your options are: FHA Loan, VA Loan, CDFI Loan, Asset Based Mortgage Today I cover everything you need to know about each option to help you figure out which makes the […]

    E045: How to get approved if self-employed for less than 1 year

    Play Episode Listen Later Feb 7, 2023 5:44


    Today we cover exactly how to get approved for a mortgage if you have been self employed for less than 1 year. A traditional loan will not be an option if you have been self-employed less than a year.  It will be done on a no income verification loan.  The loan approval is based on […]

    E044: Getting approved for a No Income Verification Mortgage Loan

    Play Episode Listen Later Jan 18, 2023 5:00


    If you have been told you do not qualify for a mortgage due to your income or employment history, a no income verification mortgage loan is the solution.  These are available for primary residence and 2nd homes, and can be done on a purchase or refinance.  This loan option is for well qualified borrowers with […]

    E043: Buying your first investment property with little out of pocket up front

    Play Episode Listen Later Dec 1, 2022 15:17


    Today I met with real estate investor Tyler Atchison, who shares how he got started with investing in rental property as a beginner.  Tyler’s story is a perfect example of how anyone with grit and creativity can accomplish their real estate investing goals.  There are so many ways to start investing in rental property for […]

    E042: 12 Month Bank Statement Mortgage for Self Employed

    Play Episode Listen Later Nov 29, 2022 6:52


    Business owners and 1099 private contractors – Did you know, with a 12 month bank statement mortgage, you can get approved based on average bank deposits, NOT tax returns? With a 12 month bank statement mortgage, tax returns are not required.  Your income is calculated based on 12 month deposits.  Here is everything you need […]

    E041: How to get a VA Loan with Low Credit Score

    Play Episode Listen Later Sep 7, 2022 4:29


    Today we cover what you need to know about getting approved for a VA loan if you have a low credit score. Link to everything I covered: https://balanceprocess.com/va-loan-low-credit-score/ Subscribe on Youtube: https://youtu.be/MWfvcDvp3uI

    E040: DSCR Loan Program for real estate investors

    Play Episode Listen Later May 6, 2022 6:03


    How to get approved for a rental property mortgage with no employment history or personal income With a Debt Service Coverage Ratio (DSCR) loan, there is no verification of personal income.  The approval is done based on property cash flow, not personal income.  You still need to meet credit and asset requirements, but the process […]

    E039: USDA Construction Loan Requirements and How to Get Approved

    Play Episode Listen Later Mar 11, 2022 20:59


    Today we have special guest David Corwin with USDA, here to tell us exactly why a USDA Construction Loan is a great option to consider (instead of buying an existing home) in today’s market. Important links below USDA Income Limits: https://eligibility.sc.egov.usda.gov/eligibility/incomeEligibilityAction.do?pageAction=state Property Location Eligibility: https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp Reach out to connect with a USDA Construction Lender: https://balanceprocess.com/contact

    E038: No Tax Return Mortgage | How to Get Approved

    Play Episode Listen Later Feb 9, 2022 6:12


    Reduce documentation and confusion by getting a mortgage without tax returns.  It's extremely common for lenders to ask for tax returns by default, even if they are not needed.  Today I cover everything you need to know about how to get approved for a home purchase or refinance without providing tax returns.  This is available […]

    E037: Cash Out Refinance with a 500 Credit Score

    Play Episode Listen Later Sep 23, 2021 8:02


    Here are 3 ways to get approved with credit score in the 500’s. Link to everything I covered here: https://balanceprocess.com/cash-out-refinance-500-credit-score/ Be sure to subscribe to Mortgage by Adam on YouTube

    E036: Update – Credit Score Eligibility in DU

    Play Episode Listen Later Aug 26, 2021 6:01


    Effective 9/18/2021 borrowers/co-borrowers will be able to use a combined average of their scores on Desktop Underwriter (DU). Let me know your thoughts on this: adam@balanceprocess.com

    E035: FHA W2 Only Program – How to Qualify

    Play Episode Listen Later Aug 24, 2021 6:50


    Tody we cover everything you need to know about getting approved for the FHA W2 Only Program. Here is the link to everythign I covered: https://balanceprocess.com/fha-w2-only-program/

    E034: How to Refinance Mortgage Without an Appraisal

    Play Episode Listen Later Feb 10, 2021 6:36


    Today we cover the 3 ways to refinance your home without getting an appraisal. Learn more on everythign I covered here: https://www.balanceprocess.com/refinance-mortgage-without-appraisal/ Check out and subscribe to the YouTube Channel: Portfolio Loan Mortgage Guide

    E033: Top Alternative Mortgage for Small Business Owner

    Play Episode Listen Later Oct 14, 2020 9:11


    If you’re a small business owner, and have been told you don’t qualify for a mortgage because of your tax deductions, this episode covers everything you need to know on how to get approved to purchase or refinance a home. We cover everything on getting approved for bank statement mortgage and profit and loss mortgage […]

    E032: Mortgage on Quarantine | What is happening?

    Play Episode Listen Later Apr 15, 2020 7:04


    The stimulus checks are trickling in, but for many people that will not be enough to survive as the economy remains on pause. Today I cover my persective on what is happening in the mortgage world during this pandemic, what needs to happen to recover, and what products are still available today. References and links

    E031: AirBnB Refinance – Short Term Rental Refi for Investors

    Play Episode Listen Later Feb 13, 2020 9:28


    Most lenders aren’t a huge fan of considering a refinance on a short term rental. The potential risk of not having a long term lease on the property makes them nervous. Now investors can get approved to refinance if they can show 12 months history to support that their short term rental out performs long

    E030: Land Contract Cash Out Refinance – How To

    Play Episode Listen Later Oct 24, 2019 6:36


    Happy to share with you some interesting tips on how to successfully complete a cash out refinance on a land contract. Here is a link to everything that I covered: https://www.balanceprocess.com/cash-out-refinance-land-contract/

    cash out refinance land contract
    E029: Mortgage with 580 Credit Score | 3 Ways to Get Approved

    Play Episode Listen Later Oct 4, 2019 9:19


    Everything you need to know about getting approved for a mortgage with 580 credit score on FHA, VA, and non-QM mortgage. Home purchase, refinance, and cash out refinance. Here is the link to everything I covered: https://www.balanceprocess.com/mortgage-with-580-credit-score/

    E028: Non-QM Mortgage – The Perfect Solution

    Play Episode Listen Later Jun 20, 2019 10:16


    A non-QM mortgage is a home loan that will likely be your solution for financing if you don’t meet traditional lending guidelines. Perfect for: bad credit, unique income, unique property type, and foreign nationals. Link to everything I covered: https://www.balanceprocess.com/what-is-a-non-qm-mortgage/ Feel free to send inquiries to me at adam@balanceprocess.com

    E027: Best Mortgage for Bad Credit

    Play Episode Listen Later Jun 6, 2019 8:57


    Everything you need to know about the best mortgages available on the market if you have bad credit. Link to everything I covered: https://www.balanceprocess.com/best-mortgage-for-bad-credit/

    E026: Best Home Loans for Self-Employed Borrowers

    Play Episode Listen Later May 8, 2019 7:58


    Covering the top 4 homes loans for self-employed borrowers. What you need to expect and how to get approved. Links to all content covered here: https://www.balanceprocess.com/home-loans-for-self-employed-borrowers/

    E025: Crucial on Manufactured Home | Affidavit of Affixture

    Play Episode Listen Later Apr 4, 2019 7:10


    If you are a realtor, loan officer, or title agent – and there is a slight chance you might ever do a deal on a manufactured home, this episode will save you a shit ton of time and stress. How to get an affidavit of affixture properly recorded on a manufactured home. All the links […]

    E024: FHA Loans for Bad Credit | Below 580 okay

    Play Episode Listen Later Mar 5, 2019 8:41


    Everything you need to know about getting approved for an FHA loan with credit as low as 500 score. Learn more here: https://www.balanceprocess.com/fha-loans-for-bad-credit/ Also, check your FHA county loan limit here: https://entp.hud.gov/idapp/html/hicostlook.cfm?CFID=2580506&CFTOKEN=748204175f33ca46-20A3305C-91BE-0129-C465BB71E0AFC3B9

    E023: Rental Property Financing | 3 Incredible Ways to Get Approved

    Play Episode Listen Later Feb 14, 2019 8:12


    If you are a real estate investor, or have thought about getting into real estate investing, this might be the most important content you will listen to on getting approved for rental property financing. Find out more at: https://www.balanceprocess.com/rental-property-financing/

    E022: Mortgage Without Tax Returns | No Problem

    Play Episode Listen Later Jan 11, 2019 8:04


    No tax returns? No problem. Here are 5 ways to get approved for a mortgage without providing tax returns even if you are self-employed. You can shoot me an inquiry anytime at balanceprocess.com to get your questions answered.

    E021: Cash Out Refinance With Bad Credit

    Play Episode Listen Later Dec 7, 2018 8:58


    Getting approved for cash out refinance when you have bad credit. Everything you need to know. Learn more at https://www.balanceprocess.com/cash-out-refinance-with-bad-credit/

    E020: Bank Statement Mortgage for self-employed or private contractor

    Play Episode Listen Later Nov 30, 2018 10:40


    Today we cover everything business owners need to know about getting approved for a home loan without tax returns. on a bank statement mortgage. For self-employed and private contractors who show low income on tax returns. Learn more at https://www.balanceprocess.com/bank-statement-mortgage/ 

    E019: When to buy a house after mortgage is included in bankruptcy

    Play Episode Listen Later Apr 26, 2018 10:04


    Perhaps one of the most misunderstood guidelines in the mortgage world as it relates to buying a home after bankruptcy. Today I go deeeeeeeep into what it takes to buy after BK, and have surrendered a house in that bankruptcy (regardless of foreclosure date). Learn more at BalanceProcess.com

    E018: How to Buy a House on Land Contract

    Play Episode Listen Later Feb 15, 2018 4:08


    When you decide buying a house on land contract is the route you want to take, here is a video on how to find homes for sale on land contract, and how to prepare to buy. Other videos and helpful links… Everything you need to know about buying on land contract Video – https://youtu.be/Wx4HWqndK7w Blog – https://www.balanceprocess.com/buying-a-home-on-land-contra…/ […]

    video land contract
    E017: Veteran Real Estate Tax Exemption

    Play Episode Listen Later Jan 18, 2018 2:43


    Today I cover the real estate tax exemption for 100% disabled veterans in the state of Michigan. If you are a veteran of the armed forces, I appreciate your service to our country. Semper Fidelis. Helpful link https://www.balanceprocess.com/all-american-exempt

    E016: Incredible Solution – Manual Underwriting Mortgage

    Play Episode Listen Later Dec 15, 2017 9:35


    Getting approved with a manual underwrite is often the most logical solution for a challenge on an FHA or VA loan. In today’s episode of the mortgage guide podcast I cover what manual underwriting mortgage means, and how it can be the glue that holds it all together.

    E015: Bank Statement Loan for Self-Employed Borrowers

    Play Episode Listen Later Dec 5, 2017 9:08


    If you are self-employed or a private contractor, this is the episode you need to hear. I dive into exactly how to get approved for a mortgage with a bank statement loan, and no tax returns are required. Unfortunately, so many times business owners are told they do not qualify for a mortgage because of […]

    E014: How to Think Like an Underwriter | Q and A

    Play Episode Listen Later Oct 19, 2017 14:20


    Do I qualify for a home loan? To answer that question you need to understand how lenders look at your income, your credit, your assets, and the property you're looking to finance. Today I dive into each component in depth in order to answer all of the qualifying questions you may have. More at BalanceProcess.com

    E013: How Your Tax Returns Are Crucial On Your Mortgage

    Play Episode Listen Later Oct 13, 2017 9:48


    Everything you need to know about how an underwriter looks at your income and tax returns when considering you for approval or denial. More at BalanceProcess.com

    E012: How to Get a Jumbo Loan After Recent Foreclosure

    Play Episode Listen Later Jul 14, 2017 8:21


    Recent foreclosure or short sale? Not the end of the world. With a portfolio loan there are options for home financing EVEN if you you’re seeking a jumbo loan. I go into detail in today’s podcast. Follow me on insta @alesner

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