Why Your DTI Is Killing Your Real Estate Deals and How Private Lending Fixes It with Adam Rawlings

In this episode of The Deal Vault, hosts Sarah and Greg welcome Adam Rawlings to discuss the differences between conventional lending and private institutional lending. Adam brings firsthand expertise from both sides of the lending world, having worked as a loan officer in conventional lending before transitioning to private money, DSCR, and business purpose lending.

The conversation breaks down why private lending has become a game-changer for real estate investors who want to scale without the rigid constraints of conventional financing. If you’re looking to understand how to access capital more flexibly, improve your credit capacity, and handle deal structures that traditional banks won’t touch, this episode is for you.

You’ll Learn How To
• Understand the key differences between conventional and private lending products
• Avoid DTI and debt capacity ceilings that limit your portfolio growth
• Structure deals using DSCR lending, hard money, and business purpose loans
• Protect your personal credit while scaling across multiple investment properties
• Navigate lending options that match your specific investment strategy

Who This Episode Is For
• Real estate investors looking to scale beyond one or two properties
• Wholesalers and fix-and-flip operators who need faster capital access
• Portfolio investors who’ve maxed out conventional loan capacity
• Business owners exploring alternative financing for real estate expansion
• Anyone frustrated by conventional lending restrictions on investment properties