Privacy Policy

Last Updated: August 20, 2026

DSCR Advantage (“DSCR Advantage,” “we,” “us,” or “our”) is operated by Victor Emmel, “The Mortgage Guide,” Mortgage Loan Officer NMLS #133605, licensed with Coast2Coast Mortgage, LLC, NMLS #376205.

We respect your privacy and are committed to explaining clearly how information submitted through DSCRAdvantage.com is collected, used, disclosed, and protected.

1. Information We May Collect

Depending on how you use this website, we may collect information you provide directly to us, including:

  • Name

  • Email address

  • Telephone number

  • Property address or property location

  • Purchase price or estimated property value

  • Estimated rental income

  • Estimated down payment or available funds

  • General credit range

  • Property type and occupancy information

  • Investment goals and financing preferences

  • Information submitted through forms, calculators, webinar registrations, appointment requests, or other website features

  • Communications you send to us by email, telephone, SMS, or website form

If you later begin a formal mortgage application, additional financial and personally identifiable information may be collected through secure mortgage application systems. You should not submit Social Security numbers, bank account numbers, passwords, or other highly sensitive information through ordinary website contact forms unless specifically directed to a secure system.

2. Information Collected Automatically

When you visit this website, certain information may be collected automatically through cookies, analytics tools, pixels, server logs, and similar technologies.

This information may include:

  • IP address

  • Browser type

  • Device type

  • Operating system

  • Referring website

  • Pages viewed

  • Time spent on pages

  • Links or buttons clicked

  • Approximate geographic information

  • Advertising or campaign attribution information

We may use services such as website analytics, advertising platforms, customer relationship management systems, scheduling systems, and other technology providers to help operate and improve the website.

3. How We Use Information

Information collected through DSCR Advantage may be used to:

  • Respond to questions and requests

  • Provide mortgage and real estate financing information

  • Review preliminary investment-property scenarios

  • Provide requested webinar or educational content

  • Schedule consultations

  • Follow up regarding mortgage financing inquiries

  • Send requested educational or marketing communications

  • Operate customer relationship management and automation systems

  • Improve our website, content, advertising, and user experience

  • Measure marketing and website performance

  • Prevent fraud, misuse, or security threats

  • Comply with applicable legal, regulatory, licensing, and recordkeeping obligations

Submitting information through this website does not constitute a mortgage application or guarantee approval for financing unless expressly stated otherwise.

4. Mortgage and Financial Information

Mortgage lending is a regulated financial service.

If you choose to pursue financing, information may be collected or processed by Coast2Coast Mortgage, LLC, mortgage lenders, credit reporting agencies, appraisal companies, settlement providers, title companies, insurance providers, verification providers, technology vendors, or other parties reasonably necessary to evaluate, process, close, or service a mortgage transaction.

Any formal mortgage application may also be subject to additional privacy notices required under applicable federal or state law.

5. How Information May Be Shared

We may disclose information to service providers and business partners that assist us in operating the website, communicating with prospective borrowers, evaluating mortgage scenarios, or providing mortgage services.

These may include:

  • Coast2Coast Mortgage, LLC

  • Mortgage lenders and investors

  • Customer relationship management providers

  • Email and SMS communication providers

  • Website hosting and technology providers

  • Scheduling providers

  • Analytics providers

  • Advertising platforms

  • Mortgage application and loan origination platforms

  • Appraisal, title, settlement, insurance, verification, and related mortgage-service providers

  • Professional advisers, regulators, law enforcement, or government authorities when required or permitted by law

We do not disclose personal information merely because someone visits the website.

Any disclosure of nonpublic personal information in connection with a financial-service relationship will be handled in accordance with applicable privacy requirements and the privacy practices of the parties involved.

6. Email and SMS Communications

If you provide your email address or mobile telephone number and consent to communications, we may contact you regarding:

  • Information you requested

  • Webinar access

  • Mortgage or investment-property inquiries

  • Appointment confirmations and reminders

  • Educational content

  • Follow-up communications

  • Relevant mortgage products or services

Consent to receive marketing communications is not a condition of obtaining a mortgage or other product or service.

Message frequency may vary. Message and data rates may apply.

You may unsubscribe from marketing emails using the unsubscribe link contained in an email.

For SMS communications, you may reply STOP to opt out. Where supported, replying HELP may provide additional assistance.

Transactional or legally required communications may still be sent where permitted by law.

Mobile telephone information and SMS opt-in consent will not be sold or provided to unrelated third parties for their independent marketing purposes.

7. Cookies and Tracking Technologies

We may use cookies and similar technologies to:

  • Maintain website functionality

  • Understand website traffic

  • Remember preferences

  • Measure advertising effectiveness

  • Determine how visitors reached the website

  • Improve marketing campaigns

  • Provide more relevant website experiences

Your browser may allow you to block or delete cookies. Doing so may affect certain website features.

Where required by applicable law, additional cookie consent options may be provided.

8. Advertising and Analytics

We may use third-party analytics and advertising platforms to understand website usage and measure marketing effectiveness.

These providers may collect information through cookies, pixels, or similar technologies according to their own privacy policies.

Mortgage and housing-related advertising is subject to federal and state fair-lending and fair-housing requirements. We do not intentionally use advertising practices to unlawfully discriminate against or exclude individuals based on protected characteristics.

9. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect information against unauthorized access, alteration, disclosure, or destruction.

However, no internet transmission, website, email system, or electronic storage method can be guaranteed to be completely secure.

For sensitive mortgage application information, use only secure systems designated for that purpose.

10. Data Retention

Information may be retained for as long as reasonably necessary to:

  • Respond to requests

  • Maintain business records

  • Provide mortgage-related services

  • Comply with regulatory and legal requirements

  • Resolve disputes

  • Enforce agreements

  • Maintain security and fraud-prevention records

Retention periods may differ depending on the type of information and applicable mortgage-industry requirements.

11. Your Privacy Choices

Depending on where you live, applicable law may provide rights regarding your personal information, including rights to request access, correction, deletion, or information about certain uses or disclosures.

These rights are not absolute and may be subject to exemptions, including mortgage lending, financial-services, record-retention, fraud-prevention, and legal obligations.

To make a privacy-related request, contact us using the information below.

We may need to verify your identity before completing certain requests.

12. Third-Party Websites

DSCRAdvantage.com may contain links to third-party websites, including mortgage lenders, Coast2Coast Mortgage, NMLS Consumer Access, calculators, scheduling systems, educational resources, or other services.

We are not responsible for the privacy practices, content, availability, or security of independently operated third-party websites.

You should review the privacy policy of any third-party website you visit.

13. Children’s Privacy

This website is intended for adults seeking information about real estate investing and mortgage financing.

It is not directed to children under 13, and we do not knowingly seek to collect personal information from children under 13.

14. Fair Lending and Equal Housing Opportunity

DSCR Advantage and the mortgage professionals associated with this website support fair lending and Equal Housing Opportunity.

Mortgage financing may not be offered, denied, or provided on discriminatory terms based on characteristics protected by applicable federal or state law.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business practices, technology, legal requirements, or services.

The revised policy will be posted on this page with an updated “Last Updated” date.

16. Contact Information

Questions regarding this Privacy Policy or information submitted through DSCRAdvantage.com may be directed to:

Victor Emmel, “The Mortgage Guide”
Mortgage Loan Officer
NMLS #133605

Licensed with:

Coast2Coast Mortgage, LLC
125 B King Street
St. Augustine, FL 32084
NMLS #376205

Phone: 435-500-2612

Coast2Coast Mortgage profile:
https://www.coast2coastmortgage.com/victor-emmel

NMLS Consumer Access:
https://nmlsconsumeraccess.org/Home.aspx/MainSearch