Terms of Service

Acceptance of These Terms

By accessing or using DSCRAdvantage.com (the “Site”), you agree to these Terms of Service.

If you do not agree with these Terms, you should not use the Site.

These Terms apply only to use of the Site. A mortgage application, loan transaction or other service may be subject to additional disclosures, agreements, notices and legally required terms.

About DSCR Advantage

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, Equal Housing Lender.

The Site focuses primarily on business-purpose financing for eligible non-owner-occupied real estate investments, including DSCR lending.

Educational Information

Information on this Site is provided for general educational and informational purposes.

Articles, examples, guides, illustrations, frequently asked questions and other website content are intended to help visitors better understand DSCR financing and related mortgage concepts.

Website content is not intended to constitute:

• Legal advice;
• Tax advice;
• Accounting advice;
• Investment advice;
• Real estate valuation advice;
• A recommendation to buy, sell or hold a particular property; or
• A guarantee that any financing program is available or appropriate for a particular transaction.

You should consult appropriately qualified legal, tax, accounting, investment or real estate professionals when advice in those areas is needed.

Mortgage Inquiries & Applications

Submitting an inquiry, requesting a scenario review, scheduling a call, using a calculator or beginning a mortgage application does not constitute loan approval or a commitment to lend.

A mortgage application may require additional information and documentation concerning the borrower, property, transaction, ownership structure, credit profile, assets, reserves and other matters relevant to underwriting.

Any loan approval is subject to applicable underwriting requirements, verification, appraisal, property eligibility, lender guidelines and satisfaction of required closing conditions.

Calculators, Examples & Estimates

DSCR Advantage may provide calculators, payment examples, cash-flow illustrations, loan comparisons and other planning tools.

Results generated by these tools are estimates based on the information entered and assumptions used.

Calculator results may not reflect all factors used in an actual loan transaction, including:

• Lender-specific qualifying rental-income calculations;
• Interest rates and pricing adjustments;
• Property taxes;
• Insurance premiums;
• Association dues;
• Closing costs and lender fees;
• Reserve requirements;
• Prepayment provisions;
• Appraisal results; and
• Program-specific underwriting requirements.

Calculator outputs are not disclosures, loan estimates, rate locks, approvals or commitments to lend.

Program Availability & Loan Terms

Loan products, interest rates, fees, minimum DSCR requirements, credit requirements, loan-to-value limits, reserve requirements, property eligibility, prepayment provisions and other terms vary by lender and program.

Programs and pricing may change without notice. Not all programs are available in all jurisdictions, for all property types or to all applicants.

Published examples should not be interpreted as representations that the same program or terms will be available when you apply.

Victor Emmel currently originates mortgage loans through Coast2Coast Mortgage, LLC in states in which he and the company are appropriately licensed or otherwise authorized.

Third-Party Websites & Services

The Site may link to or integrate third-party services such as:

• Coast2Coast Mortgage's secure inquiry and mortgage application systems;
• Goalee mortgage and DSCR calculators;
• Calendly scheduling;
• Website hosting and security providers;
• Analytics and advertising providers;
• Email and telephone communication systems; and
• Social-media platforms and external resources.

Third-party services are governed by their own terms, policies and operating practices.

DSCR Advantage does not control unaffiliated third-party websites and is not responsible for their availability, security, accuracy, privacy practices or content.

Electronic Communications

When you submit an inquiry, schedule an appointment, send an email, call, text or otherwise communicate electronically, you consent to receiving communications responsive to your request.

Where separately disclosed and permitted by law, you may also consent to receive marketing communications.

Consent to receive marketing calls or text messages is not a condition of obtaining financing.

Message and data rates may apply. Marketing communications may be discontinued using the applicable opt-out method, including replying STOP to eligible text messages or using an email unsubscribe option.

Acceptable Use

You agree not to use the Site in a manner that violates applicable law or interferes with the operation, security or use of the Site by others.

Prohibited activities include:

• Attempting to gain unauthorized access to systems, accounts or data;
• Introducing malicious software, harmful code or disruptive technology;
• Using automated systems to scrape, copy or extract content at a scale that interferes with the Site or violates applicable law;
• Submitting knowingly false, fraudulent or misleading information;
• Impersonating another person or entity;
• Attempting to bypass security or access controls; or
• Using Site content or functionality for unlawful, abusive or fraudulent purposes.

Intellectual Property

Unless otherwise indicated, the Site's original text, graphics, branding, page designs, educational materials and other original content are owned by or licensed for use by the Site operator and are protected by applicable intellectual property laws.

You may access and use Site content for your own lawful personal or business evaluation of mortgage financing.

You may not reproduce, republish, distribute, commercially exploit or create derivative works from Site content without permission, except where permitted by applicable law.

Third-party names, trademarks, logos and content remain the property of their respective owners.

Privacy

Use of personal information collected through the Site is addressed in the DSCR Advantage Privacy Policy .

Mortgage applicants or customers may also receive separate privacy notices from Coast2Coast Mortgage, LLC as required by applicable financial privacy laws.

Website Disclaimers

The Site and its content are provided on an “as available” basis.

While reasonable efforts are made to provide useful and accurate information, DSCR loan programs and guidelines change frequently.

To the extent permitted by applicable law, no warranty is made that:

• Site content is complete, current or error-free;
• The Site will be uninterrupted or available at all times;
• Calculators or estimates will match an actual lender calculation;
• Any particular loan product, rate or term will be available; or
• Any applicant or property will qualify for financing.

Limitation of Liability

To the extent permitted by applicable law, DSCR Advantage, Coast2Coast Mortgage, LLC, and their respective owners, employees, contractors and service providers will not be liable for indirect, incidental, special, consequential or punitive damages arising solely from use of—or inability to use—the Site or informational content.

This limitation does not limit rights or remedies that cannot lawfully be waived or limited.

Nothing in these Terms changes any rights or obligations established by a separate mortgage application, disclosure, loan agreement or other legally binding document.

Changes to the Site or These Terms

DSCR Advantage may update, modify, suspend or discontinue website content, features or services at any time.

These Terms may also be updated periodically to reflect changes in applicable law, technology, business practices or Site features.

The “Last updated” date at the top of this page identifies the currently published version.

Continued use of the Site after an updated version is published constitutes acceptance of the revised Terms to the extent permitted by applicable law.

General Provisions

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.

Failure to enforce a provision of these Terms does not necessarily constitute a waiver of that provision.

Any dispute concerning a specific mortgage transaction may also be governed by separate loan documents, disclosures or agreements applicable to that transaction.

Contact

Questions concerning these Terms may be directed to: