What’s Really Happening In Real Estate Lending Right Now? w/ Jonathan Yoo
Release Date: 04/02/2026
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info_outlineMany real estate investors believe success comes down to one thing: access to capital.
If you can borrow money easily, scale quickly, and leverage aggressively, the thinking goes that your portfolio will grow faster. But what a lot of investors are learning right now is that capital alone doesn’t create successful deals.
Structure does.
In today’s lending environment, small mistakes in leverage, underwriting, or financing strategy can turn what looked like a solid deal into a long-term problem.
And many investors don’t realize where those risks actually show up until after the transaction is already done.
In this episode of Money School Elite, I sit down with Jonathan Yoo, co-founder and CEO of Convoy Home Loans, to unpack what’s really happening inside the lending market right now.
Jonathan and his team work with thousands of investors across the country, helping them structure financing for real estate deals and navigate the changing landscape of lending products.
In this conversation, we break down several important realities that experienced investors understand, but many newer operators overlook.
We discuss why DSCR loans have become such an important financing tool for real estate investors, how over-leverage is quietly creating the next wave of defaults, and why the biggest risks in real estate often appear after the deal is already closed.
We also talk about a topic many investors misunderstand: what actually controls mortgage rates, and why the bond market matters far more than the Federal Reserve when it comes to long-term real estate financing.
About the Guest
Jonathan Yoo is the co-founder and COO of Convoy Home Loans, Inc. Convoy Home Loans is one of the top DSCR lenders in the United States. They are best known for building a $1B+ national real estate investment lending platform in under four years without outside capital or a bank charter, helping thousands of everyday investors access non-traditional financing to scale cash-flowing real estate portfolios. To learn more, https://convoyhomeloans.com/. You can also download the Convoy Home Loans App to apply.
About Your Host
From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America’s #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier.
His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works.
Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.
Resources
Private Money Guide: https://go.moneyschoolrei.com/book-podcast
Wealth Wednesday Webinar: https://go.moneyschoolrei.com/wednesday-webinar-podcast
Mapping out the Millionaire Mystery: https://go.moneyschoolrei.com/newbook-podcast