How Lenders Handle Difficult DSCR Deals (From Problem Deal to Approval) with Andy Pham

In this episode of The Deal Vault, Sarah and Greg sit down with LoanBidz team member Andy Pham to talk about his journey into real estate lending, how his family’s background shaped his work ethic, and why relationships are one of the most valuable assets investors can build.

Andy shares how his parents immigrated to the United States from Vietnam, how growing up around entrepreneurial family members and rental properties inspired him to pursue real estate, and how stepping into the DSCR and private lending world completely changed his perspective on investing. The conversation also dives into one of Andy’s very first deals at LoanBidz—a complicated rural four-unit property with commercial zoning issues that required creative problem-solving, persistence, and a variance letter from the city to get the deal across the finish line.

Throughout the episode, the team discusses why relationships, curiosity, communication, and adaptability matter so much in real estate investing. They also unpack the importance of understanding zoning, rural property limitations, financing options, and building strong industry connections that can help investors scale over time.