Private lender Aaron Marsh on why clients now bring ChatGPT quotes to the table, and why that backfires.

Aaron Marsh runs a boutique private lending shop built for real estate investors that traditional banks can't or won't underwrite, from high-leverage beach properties to first-time buyers who got turned away everywhere else. In this episode, Aaron breaks down the new obstacle showing up in nearly every deal: clients running his loan terms through ChatGPT and coming back asking for the "better deal" the bot promised. He also covers the real down payment math on DSCR loans, what documents to have ready before you talk to any lender, where mortgage rates are realistically headed, and the AI tool quietly generating new leads for his team every night.

Key topics:

Why a 15% down DSCR pitch usually costs more than it looks
The down payment sweet spot between 20% and 25% for the best rate
Documents to have ready before approaching a lender
Questions to ask a lender to know if they're a good fit
Where mortgage rates are realistically headed through 2027 and 2028

Guest bio:

Aaron Marsh is a private lender serving real estate investors across Texas, Alabama, and Florida, with commercial and investment lending in over 35 states. Learn more and grab his investor playbook at marshlending.com.

Links:

🔗 marshlending.com (investor playbook)

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