Creative Finance & Real Estate: Never Lose a Deal Podcast
Lorillia B. Phillips
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Lorillia Brown-Phillips is a real estate financing consultant and host of Never Lose a Deal. The podcast helps investors structure smarter financing strategies, using traditional or creative options, so they can confidently close and scale their portfolios. It answers practical questions about multifamily expansion, SBA financing, commercial mortgage differences, underwriting, DSCR loan requirements, and buying real estate beyond house hacking. The show is aimed at serious investors who want to close faster, scale smarter, and stay in control of every deal.
Episódios
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Are You a Credit Invisible Borrower? What You Need to Know Before Applying for a Mortgage 20.09.2026 35minLearn how your credit score affects your mortgage payment and what it means for your real estate investing strategy. On this episode of the Never Lose a Deal podcast, host Lorillia Brown Phillips explains the mechanics behind credit scoring models. We analyze how these numbers influence your ability to secure funding and the overall cost of your mortgage payment. Understanding these financial metrics is essential for anyone involved in real estate investing. We break down the connection between borrower profiles and lending outcomes to help you navigate the lending landscape more effectively. Subscribe for weekly real estate and mortgage breakdowns, and let us know in the comments if you have a specific loan scenario you want us to cover. Learn more about how to struture your real estate deals http://www.neverloseadeal.com Got a loan scenario you want to discuss go to https://funds.neverloseadeal.com Learn more about the Podcast http://www.neverloseadealpodcast.com -
Investing in Multifamily Real Estate in 2026 w/ Rod Khleif Ep.75 02.09.2026 31minOn this episode of the Never Lose a Deal podcast, host Lorillia Brown-Phillips is joined by real estate investor, author, and top industry podcaster Rod Khleif. With experience buying over 2,000 properties and founding 30+ businesses, Rod shares the raw truth about what it takes to navigate real estate market cycles, overcome devastating setbacks, and capitalize on today's massive market shifts. I n this episode, you'll learn: The 2008 Crash & Recovery: How Rod lost $50 million during the 2008 downturn, the expensive mistake of cross-collateralization, and how he rebuilt his real estate empire from the ground up. Mindset & Identity: Why success in real estate is 80–90% psychology and mindset, and why you should never let a temporary business setback define your personal identity. Navigating the 2026 Real Estate Market: How rising interest rates, shifting expense ratios (up to 60%), and heavy absorption impact apartment operators—and where smart money is finding distressed opportunities. T he Power of Exponential Value-Add: Simple adjustments to Net Operating Income (NOI) that dramatically boost commercial property valuations. Emerging Opportunities in Senior Housing: Why the upcoming "Silver Tsunami" makes assisted living facilities one of the most compelling real estate moves right now. Learn more about Rod Khleif: ✅Website: www.rodkhleif.com ✅Connect: https://www.linkedin.com/in/rodkhleif ✅Connect: https://www.youtube.com/RodKhleif Learn more about the Never Lose a Deal Podcast: ✅Learn more live Creative Finance & Deal Funding http://www.neverloseadeal.com ✅Got a loan scenario you want to discuss go to https://funds.neverloseadeal.com ✅Learn more about the Podcast http://www.neverloseadealpodcast.com
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The Amex Limit Crisis. Is Your Credit Score Safe? Ep. 74 24.08.2026 34minAre you seeing American Express card limits drop on your accounts? On this episode of the Never Lose a Deal podcast, we examine recent reports regarding American Express card limits. If you have noticed a sudden reduction in your available credit or received a notification about an account adjustment, this discussion is for you. We analyze the common factors that trigger an Amex credit limit decrease and help you understand if these policy changes are targeting specific spending habits or general risk management. Understanding how financial institutions manage exposure is vital for maintaining your personal credit health. We discuss the potential reasons behind these actions and whether you should be concerned about your standing with the issuer. By looking at current credit card policy changes, we aim to clarify the situation for cardholders who feel blindsided by these updates. Learn more about the Never Lose a Deal Podcast: ✅Learn more live Creative Finance & Deal Funding http://www.neverloseadeal.com ✅Got a loan scenario you want to discuss go to https://funds.neverloseadeal.com ✅Learn more about the Podcast http://www.neverloseadealpodcast.com
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Bad Mortgage Financing Decisions Today Will Cost You Big in 5 Years Ep. 73 11.08.2026 33minIs your current funding choices setting you up for success or failure? In this episode of the Never Lose a Deal podcast, Lorillia Brown Phillips breaks down how business owners and investors can assess the viability of their financing options. If you are looking to protect your capital and ensure your portfolio remains stable over the next five to ten years, this conversation provides the necessary framework for your planning. We focus on the critical factors that separate sustainable investment portfolio strategy from risky ventures. By analyzing your long term investing approach now, you can avoid costly errors. Whether you are scaling a business or managing multiple properties, understanding the impact of your real estate financing selections is vital for your financial health. Learn more about the Never Lose a Deal Podcast: ✅Learn more live Creative Finance & Deal Funding http://www.neverloseadeal.com ✅Got a loan scenario you want to discuss go to https://funds.neverloseadeal.com ✅Learn more about the Podcast http://www.neverloseadealpodcast.com
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$10 Million SBA Loans Are Here | Do You Qualify? Ep. 72 28.07.2026 32minCan your business qualify for the new $10 million SBA financing initiative? Lorillia Brown Phillips the host of the Never Lose a Deal podcast to clarify the details behind this new SBA financing opportunity. This episode is designed for entrepreneurs and business owners looking to understand if they are eligible for these specific capital programs and how to navigate the application landscape effectively. Beyond the primary SBA financing discussion, we break down essential funding strategies including 0% business credit, DSCR loans, and fix and flip loans. You will walk away with a clearer understanding of which financing options align with your current business goals and how to approach lenders with confidence. Learn more about the Never Lose a Deal Podcast: ✅Learn more live Creative Finance & Deal Funding http://www.neverloseadeal.com ✅Got a loan scenario you want to discuss go to https://funds.neverloseadeal.com ✅Learn more about the Podcast http://www.neverloseadealpodcast.com
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How Private Lenders create Wealth w/ Scott Brown Ep. 71 03.07.2026 45minIn this episode of the Never Lose a Deal podcast, Learn how private lenders evaluate real estate deals. Discover the specific criteria used for underwriting investment properties. Lorillia's sit down with an experienced private lender Scott Brown to pull back the curtain on the underwriting process. If you want to understand how lenders approve or deny funding, this conversation breaks down exactly what they look for before committing capital to a project. We discuss the risk factors and financial metrics that matter most to private lenders today. By understanding the underwriting process, you can better prepare your own projects to get funded faster. This episode is designed for real estate investors who want to improve their deal approval rates and secure financing with more consistency. Connect with Scott Brown: ✅Website - https://www.usaprivatemoney.com/about-us Learn more about the Never Lose a Deal Podcast: ✅Learn more live Creative Finance & Deal Funding http://www.neverloseadeal.com ✅Got a loan scenario you want to discuss go to https://funds.neverloseadeal.com ✅Learn more about the Podcast http://www.neverloseadealpodcast.com
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FICO vs VantageScore: Why Real Estate Investors shouldn't Ignore Credit Scores Ep. 70 16.06.2026 11minThis episode of the Never Lose a Deal podcast breaks down the ongoing competition between FICO vs VantageScore and what these changes mean for investors. We examine why traditional lending requirements are becoming less relevant for those looking to expand their real estate portfolio through alternative methods. You will understand exactly how to navigate these lending shifts, specifically focusing on how to utilize creative financing to bypass standard barriers like tax documentation. Whether you are a new real estate investor or an experienced pro, these insights provide a clear path forward in the current housing market. By the end of this discussion, you will have a better grasp of how to operate outside of typical bank constraints. We look at the practical reality of using no credit check loans to maintain momentum in your property business.
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Brandon Turner of BiggerPockets loses $15 Million of his Investors Money Ep. 69 01.06.2026 17minIn this episode of the Never Lose a Deal podcast, Lorillia discusses the $15 million loss that Brandon Turner of Bigger Pockets shared on social media. If you're looking to build your real estate portfolio, especially through creative finance strategies, this episode is for you. We explore real estate investing for beginners, focusing on techniques like no money down real estate to help you navigate challenging markets. Learn more about the Never Lose a Deal Podcast: ✅Learn more live Creative Finance & Deal Funding http://www.neverloseadeal.com ✅Got a loan scenario you want to discuss go to https://funds.neverloseadeal.com ✅Learn more about the Podcast http://www.neverloseadealpodcast.com ✅ Buy my Personal Credit book http://freebook.yourmoneymentor.com ✅My Paperback Book on Amazon https://amzn.to/3AxvDrQ ✅My Book on Amazon Kindle https://amzn.to/3KzaWAI
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Building a Multi-family Portfolio with Creative Financing w/Gino Barbaro Ep. 68 10.05.2026 31minIn this episode of the Never Lose a Deal podcast the host Lorillia Brown-Phillips and has a conversation with Real estate Investor Gino Barbaro. On the show Gino shares how he was able to scale his real estate portfolio, implement creative financing to close his deals, and the importance of mindset for his future family legacy. To learn more about Gino Barbaro go to: ✅Website: https://www.barbaro360.com ✅LinkedIn: https://www.linkedin.com/in/gino-barbaro-03973b4b/ ✅Books: https://amzn.to/4feuAmF https://amzn.to/4eDdOxx Learn more about the Never Lose a Deal Podcast: ✅See the Video podcast https://youtu.be/KTVhnZS8dLo ✅Learn more live Creative Finance & Deal Funding http://www.neverloseadeal.com ✅Got a loan scenario you want to discuss go to https://funds.neverloseadeal.com ✅Learn more about the Podcast http://www.neverloseadealpodcast.com ✅ Buy my Personal Credit book http://freebook.yourmoneymentor.com ✅My Paperback Book on Amazon https://amzn.to/3AxvDrQ ✅My Book on Amazon Kindle https://amzn.to/3KzaWAI
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NJ Real Estate Unstoppable Market Growth Ep. 67 27.04.2026 18minIn this episode of the Never Lose a Deal podcast the host, Lorillia Brown-Phillips discusses the market changes that are currently going on and how NJ leads in housing growth. She shares insights on the current housing market and how understanding your finances and the economy is crucial for success. Learn how to invest effectively and scale your real estate ventures. Learn more about the Never Lose a Deal Podcast: ✅See the video podcast https://youtu.be/p2JrqA0esPg ✅Learn more live Creative Finance & Deal Funding webinar http://www.neverloseadeal.com ✅Got a loan scenario you want to discuss go to https://funds.neverloseadeal.com ✅Learn more about the Podcast http://www.neverloseadealpodcast.com ✅ Buy my Personal Credit book http://freebook.yourmoneymentor.com ✅My Paperback Book on Amazon https://amzn.to/3AxvDrQ ✅My Book on Amazon Kindle https://amzn.to/3KzaWAI
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Creative Finance: The one Real Estate strategy you must master. Ep.66 15.04.2026 29minIn this episode of the Never Lose a Deal podcast the host, Lorillia Brown-Phillips provides an in-depth explanation of creative finance in real estate and how it can help Real Estate Investors close more deals now & the next couple of years. The Never Lose a Deal Podcast is for Real Estate Investors who want to Learn & apply Creative Financing strategies that can expand their Real Estate Portfolio to learn more go to www.neverloseadealpodcast.com ✅Never Lose a Deal Website http://funds.neverloseadeal.com ✅ Analyze your next Real Estate deal http://funds.neverloseadeal.com ✅My Paperback Book on Amazon https://amzn.to/3AxvDrQ ✅My Book on Amazon Kindle https://amzn.to/3KzaWAI ✅Connect with me on Facebook: https://www.facebook.com/lorilliabphillips ✅ Connect with me on Instagram: http://instagram.com/@lorilliabphillips ✅Connect with me TikTok: http://tiktok.com/@lorilliabphillips ✅Connect with me on Youtube: http://youtube.com/@lorilliabrownphillips ✅Connect with me on Linkedin http://linkedin.com/@lorilliabrownphillips -
Buying a House vs. a Real Estate Deal Ep.65 24.03.2026In this podcast episode of "Never Lose a Deal" podcast, the host Lorillia Brown-Phillips discusses the critical distinction between simply buying a house and securing a genuine real estate deal. The Never Lose a Deal Podcast is for Real Estate Investors who want to Learn & apply Creative Financing strategies that can expand their Real Estate Portfolio to learn more go to www.neverloseadealpodcast.com ✅Never Lose a Deal Website http://funds.neverloseadeal.com ✅ Analyze your next Real Estate deal http://funds.neverloseadeal.com ✅My Paperback Book on Amazon https://amzn.to/3AxvDrQ ✅My Book on Amazon Kindle https://amzn.to/3KzaWAI ✅Connect with me on Facebook: https://www.facebook.com/lorilliabphillips ✅ Connect with me on Instagram: http://instagram.com/@lorilliabphillips ✅Connect with me TikTok: http://tiktok.com/@lorilliabphillips ✅Connect with me on Youtube: http://youtube.com/@lorilliabrownphillips ✅Connect with me on Linkedin http://linkedin.com/@lorilliabrownphillips -
Is Real Estate Cashflow a Myth? Ep. 64 02.03.2026 23minIn this podcast episode of "Never Lose a Deal" podcast, the host Lorillia Brown-Phillips discusses current economic climate in 2026 and will the Real Estate industry be affected by external global events going on currently. The Never Lose a Deal Podcast is for Real Estate Investors who want to Learn & apply Creative Financing strategies that can expand their Real Estate Portfolio to learn more go to www.neverloseadealpodcast.com ✅Never Lose a Deal Website http://funds.neverloseadeal.com ✅ Analyze your next Real Estate deal http://funds.neverloseadeal.com ✅My Paperback Book on Amazon https://amzn.to/3AxvDrQ ✅My Book on Amazon Kindle https://amzn.to/3KzaWAI ✅Connect with me on Facebook: https://www.facebook.com/lorilliabphillips ✅ Connect with me on Instagram: http://instagram.com/@lorilliabphillips ✅Connect with me TikTok: http://tiktok.com/@lorilliabphillips ✅Connect with me on Youtube: http://youtube.com/@lorilliabrownphillips ✅Connect with me on Linkedin http://linkedin.com/@lorilliabrownphillips -
Real Estate Industry in Crisis: FinCEN Update Ep. 63 22.02.2026 10minIn this video from the Never Lose a Deal podcast, host Lorillia Brown-Phillips discusses a significant upcoming change that will occur on March 1, 2026 in the real estate industry regarding FinCEN (Financial Crimes Enforcement Network) reporting requirements for RE investors who will make non-finance transactions in an LLC , Trust, etc. The Never Lose a Deal Podcast is for Real Estate Investors who want to Learn & apply Creative Financing strategies that can expand their Real Estate Portfolio to learn more go to www.neverloseadealpodcast.com ✅Never Lose a Deal Website http://funds.neverloseadeal.com ✅ Analyze your next Real Estate deal http://funds.neverloseadeal.com ✅My Paperback Book on Amazon https://amzn.to/3AxvDrQ ✅My Book on Amazon Kindle https://amzn.to/3KzaWAI ✅Connect with me on Facebook: https://www.facebook.com/lorilliabphillips ✅ Connect with me on Instagram: http://instagram.com/@lorilliabphillips ✅Connect with me TikTok: http://tiktok.com/@lorilliabphillips ✅Connect with me on Youtube: http://youtube.com/@lorilliabrownphillips ✅Connect with me on Linkedin http://linkedin.com/@lorilliabrownphillips -
Changes to SBA Financing & Permanent Residents Ep.62 16.02.2026 22minThe Never Lose a Deal Podcast is for Real Estate Investors who want to Learn & apply Creative Financing strategies that can expand their Real Estate Portfolio to learn more go to www.neverloseadealpodcast.com ✅Never Lose a Deal Website http://funds.neverloseadeal.com ✅ Analyze your next Real Estate deal http://funds.neverloseadeal.com ✅My Paperback Book on Amazon https://amzn.to/3AxvDrQ ✅My Book on Amazon Kindle https://amzn.to/3KzaWAI ✅Connect with me on Facebook: https://www.facebook.com/lorilliabphillips ✅ Connect with me on Instagram: http://instagram.com/@lorilliabphillips ✅Connect with me TikTok: http://tiktok.com/@lorilliabphillips ✅Connect with me on Youtube: http://youtube.com/@lorilliabrownphillips ✅Connect with me on Linkedin http://linkedin.com/@lorilliabrownphillips -
The Rise of the FinInfuencers & the Art of the Deal Ep. 61 30.01.2026 22minThe Never Lose a Deal Podcast is for Real Estate Investors who want to Learn & apply Creative Financing strategies that can expand their Real Estate Portfolio to learn more go to www.neverloseadealpodcast.com ✅Never Lose a Deal Website http://funds.neverloseadeal.com ✅ Analyze your next Real Estate deal http://funds.neverloseadeal.com ✅My Paperback Book on Amazon https://amzn.to/3AxvDrQ ✅My Book on Amazon Kindle https://amzn.to/3KzaWAI ✅Connect with me on Facebook: https://www.facebook.com/lorilliabphillips ✅ Connect with me on Instagram: http://instagram.com/@lorilliabphillips ✅Connect with me TikTok: http://tiktok.com/@lorilliabphillips ✅Connect with me on Youtube: http://youtube.com/@lorilliabrownphillips ✅Connect with me on Linkedin http://linkedin.com/@lorilliabrownphillips -
Mortgage Expertise for Real Estate Investors Ep. 60 29.12.2025 25minIn this final episode of 2025, Lorillia Brown-Phillips, host of the Never Lose a Deal Podcast, dives deep into why specialized mortgage expertise is more critical than ever for the upcoming year.As the real estate market becomes increasingly saturated with online content and AI-driven advice, Lorillia warns investors about the dangers of the "gray area" in mortgage financing. She shares her insights on why "Jack of all trades" professionals can lead you to financial disaster and why experienced investors must seek out specialists who understand the nuances of creative scaling.Key Topics Covered:The DSCR Loan Trap: Why Debt Service Coverage Ratio (DSCR) loans are NOT for beginners and why the asset—not the person—gets pre-approved [05:17].The Expert Mismatch: Why a real estate agent specializing in first-time homebuyers is often the wrong choice for an experienced investor looking to scale [13:58].The Business Credit Warning: A 10-toes-down stance on why new investors should avoid leveraging business credit to enter the real estate market [19:06].Specialization Over Generalization: Why you shouldn't take mobile home advice from a short-term rental expert, and why focusing on a specific "buy box" is the key to prosperity in 2026 [21:12].Navigating the 2026 Market: How to sniff out "overnight experts" created by AI and content tools to protect your financial future [24:00].Whether you are looking to leverage asset-based lending, SBA financing, or creative business funding, this episode serves as a vital gut check for any investor planning to scale their portfolio in the next five years.Connect with the Show:Website: www.neverloseadeal.comPodcast Info: www.neverloseadealpodcast.com -
Trump proposes Portable Mortgage & Gift of Equity: Solving the Housing Crisis? Ep.59 03.12.2025 18minIn this episode of the Never Lose a Deal Podcast , the Host Lorillia Brown-Phillips breaks down the recently proposed Portable Mortgage and whether it's the key to unlocking the housing affordability crisis. Here is a summary of some of the points Lorillia discusses: The Portable Mortgage Concept: The proposal to allow homeowners to transfer their current low-interest rate mortgages to a new home . The Financial Questions: Why this proposal raises serious concerns and economic questions for mortgage professionals and the financing industry. Wealth Building: The critical role of equity and how you can access the wealth built in your home upon sale . The Gift of Equity Strategy: A detailed look at a powerful, yet often overlooked, wealth-building strategy that allows owners to pass down home equity to family members . The Never Lose a Deal Podcast is for Real Estate Investors who want to Learn Creative Financing strategies that can expand their Real Estate Portfolio to learn more go to www.neverloseadealpodcast.com ✅Client Testimonials https://funds.neverloseadeal.com ✅Never Lose a Deal Live Events http://www.neverloseadealevents.com ✅ Buy my Personal Credit book http://freebook.yourmoneymentor.com ✅My Paperback Book on Amazon https://amzn.to/3AxvDrQ ✅My Book on Amazon Kindle https://amzn.to/3KzaWAI ✅Connect with me on Facebook: https://www.facebook.com/lorilliabphillips ✅ Connect with me on Instagram: http://instagram.com/@lorilliabphillips ✅Connect with me TikTok: http://tiktok.com/@lorilliabphillips ✅Connect with me on Youtube: http://youtube.com/@lorilliabrownphillips ✅Connect with me on Linkedin http://linkedin.com/@lorilliabrownphillips -
30 year vs. 50 year Mortgage. Good vs. Bad? Ep. 58 18.11.2025 28minIn this episode of the Never Lose a Deal Podcast , Lorillia discusses the proposed 50-year mortgage option and how it compares to the traditional 30-year mortgage. Here is a summary of some of the points Lorillia discusses: Viable Option for Homeownership The Power of Equity Being Debt Free The Never Lose a Deal Podcast is for Real Estate Investors who want to Learn Creative Financing strategies that can expand their Real Estate Portfolio to learn more go to www.neverloseadealpodcast.com ✅Client Testimonials https://www.leverageportfoliocapital.com ✅Never Lose a Deal Live Events http://www.neverloseadealevents.com ✅ Buy my Personal Credit book http://freebook.yourmoneymentor.com ✅My Paperback Book on Amazon https://amzn.to/3AxvDrQ ✅My Book on Amazon Kindle https://amzn.to/3KzaWAI ✅Connect with me on Facebook: https://www.facebook.com/lorilliabphillips ✅ Connect with me on Instagram: http://instagram.com/@lorilliabphillips ✅Connect with me TikTok: http://tiktok.com/@lorilliabphillips ✅Connect with me on Youtube: http://youtube.com/@lorilliabrownphillips ✅Connect with me on Linkedin http://linkedin.com/@lorilliabrownphillips -
The Recent Fed Rate Cut can make you money in Real Estate Ep. 57 02.11.2025 15minIn this episode of the Never Lose a Deal Podcast , Lorillia provides advice for real estate investors in light of the Federal Reserve's interest rate decision. Here is a summary of some of the points Lorillia discusses: The Rate Cut Announcement Interest Rate Sensitivity Affects the New/Residential Investor Experienced Investors Prioritize Goals Over Rates The Advantage of Asset-Based Lending Recognize Your Stage Financing is Key to Scaling Volatility Creates the Best Deals The Never Lose a Deal Podcast is for Real Estate Investors who want to Learn Creative Financing strategies that can expand their Real Estate Portfolio to learn more go to www.neverloseadealpodcast.com ✅Client Testimonials https://www.leverageportfoliocapital.com ✅Never Lose a Deal Live Events http://www.neverloseadealevents.com ✅ Buy my Personal Credit book http://freebook.yourmoneymentor.com ✅My Paperback Book on Amazon https://amzn.to/3AxvDrQ ✅My Book on Amazon Kindle https://amzn.to/3KzaWAI ✅Connect with me on Facebook: https://www.facebook.com/lorilliabphillips ✅ Connect with me on Instagram: http://instagram.com/@lorilliabphillips ✅Connect with me TikTok: http://tiktok.com/@lorilliabphillips ✅Connect with me on Youtube: http://youtube.com/@lorilliabrownphillips ✅Connect with me on Linkedin http://linkedin.com/@lorilliabrownphillips
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