Lorillia Brown-Phillips is a Real estate financing consultant and host of Never Lose a Deal, where she helps investors structure smarter financing strategies so they can confidently close and scale their portfolios.
The show is centered around helping serious investors leverage the right financing—traditional or creative—to close faster, scale smarter, and stay in control of every deal.
This show will provide answers to questions like:
What type of financing should I use if I want to expand my multi-family portfolio?
How can I leverage SBA financing with my next Real Estate purchase?
The difference in Traditional & Commercial Mortgage Financing?
How do I underwrite my next deal so I can get better financing?
What do lenders require for DSCR loans?
How can I buy Real Estate beyond House hacking?
144,000 Evictions City in Crisis & the New economy
We examine the surge in real estate evictions and what the current displacement crisis means for your investment portfolio.
In this episode of the Never Lose a Deal Podcast, host Lorillia Brown Phillips analyzes the intersection of rising homelessness and the new economy. With 144,000 individuals impacted by recent housing instability, it is critical for landlords and property owners to understand how these macro-level shifts affect local property values and tenant retention.
We focus on essential creative finance strategies to help you navigate these uncertain times. Rather than reacting to market volatility, we discuss how to build resilient portfolios that can withstand changing housing market trends.
This episode is designed for real estate investors who need to adapt their approach to risk management while maintaining ethical and sustainable business practices. 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 structure 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
12 Oct 2026
Why money is Expensive & DSCR Fraud Ep. 77
In this episode of the Never Lose a Deal Podcast, host Lorillia Brown-Phillips discusses shifts in real estate creative financing following interest rate hikes by the Federal Reserve, as well as a high-profile DSCR mortgage fraud case in Baltimore.
Lorillia discusses the following on the podcast:
The End of "Free Money" & High-Interest Unsecured Debt
Federal Reserve Rate Hikes: Short-term rates on credit cards, personal loans, and auto financing have increased.
Changing Strategies: Strategies that worked during 2020–2021—such as pairing short-term unsecured debt with long-term real estate assets—are now far riskier due to higher capital costs.
Run Your Numbers: Real estate investors must avoid investing based on "vibes" and calculate their actual financial metrics.
Deals Over Financing: Deals should be properly structured before securing financing; money is currently too expensive to rely purely on high-interest leverage.
Run Worst-Case Scenarios: Investors should plan for risk variables like credit line cancellations, non-paying tenants, or lenders calling loans due. 2. $14 Million DSCR Mortgage Fraud Case
Baltimore Real Estate Bust: A Texas mortgage lender (AmeriTrust) filed a federal lawsuit against New York investors operating in Baltimore.
Scheme Details: The lawsuit alleges the group obtained DSCR (Debt Service Coverage Ratio) loans using artificially inflated sales prices and pre-prepared appraisal reports for under-collateralized properties, subsequently defaulting on the loans.
Historical Parallels: Similar fraudulent schemes and lack of due diligence occurred during the 2008 financial crisis and during recent SBA loan programs. 3. Guidance & Ethical Investing
Real Estate vs. Financing Guidance: Investors should distinguish general coaching advice from tailored financial and deal-structuring guidance.
Sustainable Growth: Investment opportunities remain available, but success in the current market requires strict risk management, conservative modeling, and ethical practices.
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
20 Sept 2026
Are You a Credit Invisible Borrower? What You Need to Know Before Applying for a Mortgage
Learn 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
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YouTube views
712,204
Score snapshot 15 Sept 2025
Podcast Authority Score: 65 / 100
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Quality
84
Social presence
0
YouTube
86
Engagement
27
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