# Creative Financing Explained: DSCR, Hard Money, and Why Rate Isn't Everything with Fred SaintAmour

Page: https://stenobird.com/podcast/rental-property-owner-real-estate-investor-podcast-869327/creative-financing-explained-dscr-hard-money-and-why-rate-isn-t-everything-with-fred-saintamour
Text version: https://stenobird.com/podcast/rental-property-owner-real-estate-investor-podcast-869327/creative-financing-explained-dscr-hard-money-and-why-rate-isn-t-everything-with-fred-saintamour.md
Podcast: [Rental Property Owner & Real Estate Investor Podcast](https://stenobird.com/podcast/rental-property-owner-real-estate-investor-podcast-869327)
Published: 2026-04-27T05:00:00+00:00
Episode link: https://rporeipodcast.libsyn.com/creative-financing-explained-dscr-hard-money-and-why-rate-isnt-everything-with-fred-saintamour
Audio file: https://traffic.libsyn.com/secure/rporeipodcast/EP538_Fred_SaintAmour.mp3?dest-id=351406
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Duration seconds: 1749

## Resource

Too many investors chase interest rates and ignore structure. They worry about an eighth of a point while overpaying on taxes, misunderstanding underwriting, or choosing the wrong loan product entirely. In this episode, Fred SaintAmour of Boathouse Commercial Funding Group breaks down how lenders actually assess risk and why most investors misunderstand leverage. We cover: How debt service coverage ratio (DSCR) loans really work When hard money makes sense — and when it doesn't Why collateral and marketing time matter more than you think What immediately disqualifies a deal How to structure loans through LLCs without wrecking your credit Why waiting for lower interest rates can cost you more than acting now The biggest mistakes investors make when qualifying for financing Fred explains the difference between market price and investment value from a lender's perspective, and why certainty of execution often matters more than rate. If you are growing a rental portfolio, refinancing existing assets, or evaluating bridge loans, this episode will help you think more clearly about financing structure. Guest: Fred SaintAmour Loans for landlords, real estate investors, and entrepreneurs. Website: https://boathousecfg.com Email: Fred@BoathouseCFG.com If you are an accredited investor and would like to learn more about participating in private lending opportunities, visit: https://higinvestor.com Today's episode is brought to you by Green Property Management, managing everything from single family homes to apartment complexes in the West Michigan area. https://www.livegreenlocal.com And RCB & Associates, helping Michigan-based real estate investors and small business owners navigate the complex world of health insurance and medicare benefits. https://www.rcbassociatesllc.com

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