Jan 26, 2026
288 - The Insider's Guide to DSCR Loans with Phil Ganz
In this episode of the Real Estate Investor Growth Network
podcast, hosted by Jen Josey, the discussion kicks off with a
compelling segment on the essential nature of property inspections
for investors. Jen outlines five critical reasons why skipping this
step can be detrimental to your real estate ventures. The heart of
the episode features an in-depth interview with Phil Ganz, the
President and Founder of Next Wave Mortgage. With over 25 years of
industry experience, Phil shares his journey from aspiring Peace
Corps volunteer to a respected figure in the mortgage sector. He
delves into the intricacies of DSCR loans, explaining their
benefits and providing strategic advice for both novice and
seasoned investors. Listeners are also treated to Phil's personal
anecdotes and insights on overcoming obstacles, the importance of
mentorship, and his commitment to helping others achieve financial
independence through real estate investing.
00:00
Introduction to REIGN and Host Jen Josey
01:02 Today's
Topic: Importance of Property Inspections
03:06 Guest
Introduction: Phil Ganz
04:11 Phil
Ganz's Journey in the Mortgage Industry
09:04 Challenges
and Successes in the Mortgage Business
22:27 Starting
Next Wave Mortgage and Helping Investors
24:15 Understanding
DSCR Loans for Investors
31:42 Understanding
Prepayment Penalties
33:17 The
Importance of 30-Year Fixed DSCR Loans
35:02 Pitfalls
of Adjustable Rate Mortgages (ARMs)
37:00 Lessons
from Real Estate Mistakes
44:38 Phil
Ganz's Personal Journey and Advice
47:30 The
BADASS Acronym: Book, Advice, Drive, Aspiration, Systems,
Success
58:32 Conclusion
and Contact Information
🔗 Learn More & Connect with
Jen Josey:
https://www.therealjenjosey.com
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estate investing resources, podcast episodes, and
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(Recommended Tools & Resources):
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Beginner to Badass
https://a.co/d/bstKlby
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Step-by-step guide to real estate investing
success.
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