Refinancing, DSCR Loans & STR Lending Strategies w/ Kenny Bedwell & Matt Stout, the STR Loan Guy
In this episode, I had the pleasure of joining Kenny Bedwell on the Cash Flow Positive podcast to dive into some of the most critical topics for real estate investors today. We covered everything from adjustable-rate mortgages and cash-out ...
In this episode, I had the pleasure of joining Kenny Bedwell on the Cash Flow Positive podcast to dive into some of the most critical topics for real estate investors ...today. We covered everything from adjustable-rate mortgages and cash-out refinancing to short-term rental (STR) strategies, debt service coverage (DSCR) loans, and the latest housing market trends.
I shared insights from my 32+ years in mortgage lending, including how to leverage home equity wisely, the importance of understanding refinance closing costs, and when refinancing makes sense for both new and seasoned investors. We also explored tools like proforma appraisals and creative strategies to turn break-even properties into cash-flowing machines.
Whether you're just starting out in real estate or already own STR properties, this conversation is packed with actionable advice to help you build cash flow-positive investments and navigate today’s housing market with confidence.
Timestamps:
[00:00] – My journey: 32 years, 4,400+ loans, and a focus on STR lending.
[01:30] – Using STR Insights data to secure better appraisals.
[03:10] – Fed rate cuts: what they mean for STR investors.
[06:30] – Why high rates didn’t crash housing prices (and what’s next).
[10:50] – Predictions: will falling rates create a new seller’s market?
[15:00] – Refinancing vs. selling: how to pull equity without losing assets.
[19:00] – Cash-out refinancing: tapping equity to grow your portfolio.
[24:30] – The tax advantage of cash-out refis no one talks about.
[27:00] – How to know if a refinance actually pays off.
[34:15] – Creative refinance strategies to boost cash flow.
About Me:
I’m Matt Stout, also known as The STR Loan Guy, and the founder of Consumers Financial, a mortgage brokerage licensed in 48 states. With over three decades of experience in lending and a personal background in real estate investing, I specialize in STR and DSCR loans that help investors unlock equity and scale their portfolios. My goal is to provide creative lending solutions and straightforward advice to help you win in today’s market.
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