The Illusion of Interest Rates: Bank vs Owner Financing

Описание: In this video, Scott Horne (Owner Finance Network) breaks down the “illusion of interest rates” — and why the rate itself isn’t the whole story when you’re comparing bank financing vs DSCR lending vs owner financing.

A deal might be better with a bank… or it might be far better with seller terms — but you won’t know unless you can compare apples to apples (rate, down payment, costs, fees, flexibility, and risk).

In this training, we cover:
✅ Bank lending vs DSCR lending basics (what they look at + how terms change)
✅ Why down payment expectations (20–25%+) matter in today’s world
✅ How to use your bank terms as leverage when negotiating with a seller
✅ Structuring multiple offers: low down vs higher down + price trade-offs
✅ Hidden costs with banks/DSCR (points, appraisals, fees) vs seller terms
✅ Back-end strategy restrictions (leasing, seller finance, Do-On-Sale concerns)
✅ A key risk many investors miss: bank notes can be demand notes
✅ The golden rule: if you don’t ask, you don’t get

👍 If this helped, please like the video, comment your questions, and subscribe for more creative finance and deal-structure education.

Scott Horne has been a real estate, title attorney, and investor for over 30 years. Over this time, he has purchased, rehabbed, and sold over 7,000 single family homes. Through his companies and law office, he has transacted over 10,000 creative finance deals. Scott’s experience as both an attorney and an investor puts him in a unique position to help you navigate this tricky business every step of the way.


✅ 𝐑𝐞𝐚𝐝𝐲 𝐭𝐨 𝐬𝐭𝐞𝐩 𝐮𝐩 𝐲𝐨𝐮𝐫 𝐠𝐚𝐦𝐞 𝐚𝐧𝐝 𝐥𝐞𝐚𝐫𝐧 𝐦𝐨𝐫𝐞 𝐚𝐛𝐨𝐮𝐭 𝐨𝐰𝐧𝐞𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠?
1. The Subject To Mastery
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2. Everything You Need to Know About Liens
https://www.theownerfinancenetwork.co...
3. Scott Horne’s Owner Finance Real Estate Investment Training
https://www.theownerfinancenetwork.co...
4. Owner Financing for Realtors
https://www.theownerfinancenetwork.co...

✅ 𝐃𝐨𝐧’𝐭 𝐟𝐨𝐫𝐠𝐞𝐭 𝐭𝐨 𝐟𝐨𝐥𝐥𝐨𝐰 𝐮𝐬 𝐨𝐧 𝐨𝐮𝐫 𝐨𝐭𝐡𝐞𝐫 𝐬𝐨𝐜𝐢𝐚𝐥 𝐦𝐞𝐝𝐢𝐚 𝐜𝐡𝐚𝐧𝐧𝐞𝐥𝐬 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐟𝐫𝐞𝐞 𝐭𝐢𝐩𝐬!
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1. Legal Services
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2. Title Services
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3. Note-Pro Services
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4. RMLO Services
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5. Loan Servicing
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#ownerfinancing #creativefinance #realestateinvesting #dscrloan


⏱️ Chapters
00:00 – Intro: the “illusion of interest rates”
00:28 – What kind of deal is it: bank vs owner finance?
00:53 – Bank requirements: rate, credit, docs, experience
01:07 – DSCR lending basics (what matters most)
01:33 – Start with the key question: will the seller finance?
01:49 – Use bank terms to negotiate seller terms (apples to apples)
02:21 – Down payments today: banks/DSCR want ~20–25%
02:52 – Structuring offers: low down vs higher down + price trade-offs
04:38 – Bank/DSCR costs: points, appraisals, title/fees
05:00 – Back-end strategy limits: leasing, seller finance, Do-On-Sale
06:23 – Risk check: demand notes + lender call risk
07:04 – Present options, ask the question, negotiate smart
07:24 – Wrap-up + like/comment/subscribe