Ritter on Real Estate Scaling Past Bank Limits with Matthew Medrano
On this week’s episode, Kent is joined by Matthew Medrano to break down why real estate financing often gets harder as investors scale—and what smart investors can do before they stall out. Matt explains how traditional banks underwrite borrowers, why arbitrary lending caps exist, and how asset-based and DSCR lending can unlock continued growth beyond the first 5–10 properties. The conversation demystifies private lending, debt service coverage ratios, and why cash flow, not personal income, becomes the focus as portfolios grow. Kent and Matt also dive into common lending mistakes, the danger of chasing interest rates alone, and how strong lender relationships can make or break a deal.
Where to find Matthew:
- Website: https://dynamocapital.com
- Email: matthew@dynamocapital.com
Key Takeaways
- Traditional banks often cap lending based on the borrower, not the property—creating friction for successful investors.
- DSCR loans focus on property cash flow rather than personal income or W-2s.
- Interest rate alone doesn’t define a good loan; fees, prepayment terms, and certainty to close matter just as much.
- Private lending works best as a long-term relationship, not a one-off transaction.
- Reading loan terms carefully can prevent costly surprises at exit.
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Production by Outlier Audio