Who We Are
DSCR Advantage is an educational and marketing website associated with Victor Emmel, Mortgage Loan Advisor, NMLS #133605. Mortgage services are offered through Coast2Coast Mortgage, LLC, NMLS #376205 (“Coast2Coast,” “we,” “us,” or “our”).
This Privacy Policy applies to DSCRAdvantage.com and information collected through website pages, inquiry tools, calculators, scheduling tools and communications initiated through the site.
This Privacy Policy does not replace any privacy notice provided in connection with an actual mortgage application or customer relationship.
Information We Collect
The information collected depends on how you use the site and what you choose to provide.
| Category | Examples | How It May Be Collected |
|---|---|---|
| Contact Information | Name, email address, telephone number and mailing address | Mortgage inquiries, appointment requests, email, phone or text conversations |
| Property & Transaction Information | Property type, property location, purchase price or value, requested loan amount, estimated rent, occupancy, entity vesting and financing objective | Scenario discussions, mortgage inquiry tools, calculators and direct communications |
| Financial & Qualification Information | Approximate credit information, available equity or down payment, reserves, ownership experience and other information relevant to a requested loan scenario | Information you voluntarily provide during a mortgage inquiry or application |
| Device & Usage Information | IP address, browser type, device type, pages viewed, referring page, approximate location, timestamps and site interactions | Server logs, cookies, analytics tools and similar technology |
| Communication Information | Messages, inquiry details, appointment history, communication preferences and consent records | Email, telephone, text messaging, scheduling tools and other approved communication systems |
We may also receive information from referral partners, advertising platforms, service providers, public records, consumer reporting agencies when legally permitted, and other sources involved in a requested transaction.
Please do not send highly sensitive information through ordinary email or text. Social Security numbers, bank-account credentials, income documents and similar sensitive information should be submitted only through an approved secure mortgage application or document portal.
How We Use Information
We may use personal information for purposes including:
- Responding to inquiries and providing requested DSCR loan information;
- Reviewing a property or financing scenario and discussing potential program fit;
- Scheduling and managing appointments;
- Processing or supporting a mortgage application when you choose to proceed;
- Operating, maintaining, measuring, securing and improving the website and its tools;
- Sending service-related, educational or marketing communications consistent with your choices and applicable law;
- Detecting fraud, preventing misuse, securing systems and troubleshooting technical issues;
- Maintaining records and satisfying legal, regulatory, licensing, audit and compliance obligations; and
- Establishing, exercising or defending legal claims.
How Information May Be Disclosed
Personal information may be disclosed when reasonably necessary for the purposes described in this Privacy Policy, including to:
- Coast2Coast personnel and service providers involved in responding to you, compliance, operations or a requested mortgage transaction;
- Technology providers supporting website hosting, WordPress, mortgage inquiry systems, email, telephone, scheduling, calculators, analytics, advertising, cybersecurity and document processing;
- Mortgage transaction participants such as lenders, investors, appraisers, title or settlement providers, insurance providers, verification providers, credit reporting agencies and other parties involved in an authorized transaction;
- Referral or professional partners when you request an introduction or authorize information sharing;
- Government, regulatory, legal or law-enforcement recipients when disclosure is required or permitted by law; and
- Successors or transaction parties in connection with a merger, acquisition, financing, reorganization or transfer of relevant business assets, subject to applicable safeguards.
We do not sell personal information for money. Certain disclosures involving online identifiers, analytics or advertising technology may nevertheless be treated as a “sale,” “sharing” or targeted advertising activity under some state privacy laws.
Email, Telephone & Text Communications
If you provide contact information and request a response, we may contact you by email, telephone or text regarding your inquiry.
Where required by applicable law, marketing communications will be sent based on consent or another lawful basis.
- Consent to receive marketing calls or text messages is not a condition of obtaining financing;
- Message frequency may vary, and message and data rates may apply;
- You may request that marketing text messages stop at any time, including by replying STOP where applicable; and
- Marketing emails may include an unsubscribe option.
After a marketing opt-out, we may still send non-marketing communications necessary to respond to your request, support an active transaction, provide required notices or comply with law.
Mortgage Applications & Financial Privacy
If you begin a mortgage application or establish a customer relationship, additional federal and state financial-privacy requirements may apply.
You may receive a separate privacy notice from Coast2Coast Mortgage, LLC explaining how nonpublic personal information is collected, used and shared, and whether applicable opt-out rights are available.
This website Privacy Policy supplements—and does not replace—privacy notices provided in connection with an actual mortgage application or financial customer relationship.
Data Retention & Security
We retain personal information for as long as reasonably necessary to fulfill the purposes described in this policy, maintain business and transaction records, resolve disputes, enforce agreements and satisfy legal, licensing, regulatory, audit and compliance obligations.
Retention periods vary depending on the type of information and the relationship involved.
Reasonable administrative, technical and physical safeguards are used to help protect personal information.
No website, network, storage system or method of electronic transmission can be guaranteed to be completely secure.
Use approved secure mortgage portals for sensitive documents. If you believe personal information has been submitted or used improperly, please contact us promptly.
Your Privacy Rights
Depending on where you live and subject to applicable legal exceptions, you may have rights concerning your personal information, including the right to:
- Confirm whether personal information about you is being processed and request access;
- Correct inaccurate personal information;
- Request deletion of certain personal information;
- Request a portable copy of certain information you provided;
- Opt out of covered sale, sharing, targeted advertising or certain profiling where those rights apply;
- Limit certain uses or disclosures of sensitive personal information where applicable;
- Appeal a denied privacy request where the law provides that right; and
- Exercise applicable privacy rights without unlawful discrimination.
These rights are not absolute. Information may need to be retained when required for an active mortgage transaction, fraud prevention, regulatory recordkeeping, legal compliance or the establishment or defense of legal claims.
Submit a privacy request
Email [email protected] with the subject “Privacy Request” and describe the right you want to exercise.
We may need to verify your identity and state of residence before completing a request. An authorized agent may submit a request where permitted by law, subject to appropriate verification.
Children's Privacy
DSCR Advantage is intended for adults evaluating business-purpose real estate financing and is not directed to children under 13.
We do not knowingly collect personal information from children under 13 through this website.
If you believe a child has provided personal information through the site, please contact us so the situation can be reviewed.
Third-Party Websites & Services
DSCR Advantage may link to or use services operated by third parties, including:
- Coast2Coast Mortgage's secure mortgage inquiry and application systems;
- Goalee mortgage and DSCR calculators;
- Calendly scheduling tools;
- Website hosting, security and analytics providers;
- Email and communication providers; and
- Social-media, advertising and other external platforms.
Third-party services may collect information directly from you and may apply their own terms, privacy policies and security practices.
We encourage you to review the applicable third-party privacy notices before submitting personal information.
We are not responsible for the privacy or security practices of unaffiliated third-party websites or services.
Changes to This Policy
We may update this Privacy Policy to reflect changes in applicable law, technology, services or business practices.
The “Last updated” date at the top of the page identifies the current published version.
Material changes may also be communicated through the website or another reasonable method where required.
Contact Us
Questions about this Privacy Policy or requests concerning personal information may be directed to:
Victor Emmel
Mortgage Loan Advisor
NMLS #133605
Coast2Coast Mortgage, LLC
NMLS #376205
Equal Housing Lender
Coast2Coast Mortgage, LLC
125 B King Street
St. Augustine, FL 32084