INVESTOR'S GUIDE

INVESTMENT FINANCING

MADE EASY

THE LENDER TEAM

SHORT-TERM DEBTCOVERED SERVICE RATIO

The Short-Term Debt Covered Service Ratio

program is a viable alternative for investors

who utilize hard money. With aggressive

pricing and lower upfront fees, the short-term

DCSR program may offer a refreshing

alternative to hard money loans. Here are

some highlights.

Up to 80% LTV based on borrower

experience

Minimum 3 months reserves based on

interest only payment; loan amount >

$2M requires 6 months Loans up to $3

million

SFR and 1-5 Unit property

12 month fixed, interest-only payment

with a balloon

No pre-pay and escrow is not required

This loan product is a great option for fix

and flip investors. With better pricing than

hard money loans, investors can keep more

cash in their pockets. This loan product is

intended to finance the acquisition of the

property and not the repairs.

The Lender TeamKris Brinton

Kris.brinton@lender.team | (813)390-8862

LONG TERM DEBTCOVERED SERVICE

RATIO

The long-Term Debt Covered Service

Ratio Program is perfect for investors

who need a flexible program to help

scale their investment portfolio. Here

are just a few of the program highlights.

Loans to $5 million

1 to 5 units

30-year, 15-year, 5/1 and 7/1 ARMwith interest only paymentsavailable

No income/employmentverification

No DTI requirements

Short term rentals allowed

Closing in an LLC permitted as long

as borrower has 100% ownership Up

to 80% LTV

This product is designed with the

investor in mind. No tax returns, pay

stubs or W-2's required making this a

truly user friendly investment product.

The Lender TeamKris Brinton

Kris.brinton@lender.team | (813)390-8862

NOTES

PROPERTY ADDRESS

Property Type (SF/MF)

Purpose (Buy and Hold/Fix and Flip)

List Price $

Number of Units

Sq Ft (Per Unit)

Beds/Baths (Per Unit)

ARV $

Repair Estimate (If Applicable) $

Current Rent Income $

Market Increase Potential $/%

Purchase Price $

PROPERTY ADDRESS

Property Type (SF/MF)

Purpose (Buy and Hold/Fix and Flip)

List Price $

Number of Units

Sq Ft (Per Unit)

Beds/Baths (Per Unit)

ARV $

Repair Estimate (If Applicable) $

Current Rent Income $

Market Increase Potential $/%

Purchase Price $

NOTES

PROPERTY ADDRESS

Property Type (SF/MF)

Purpose (Buy and Hold/Fix and Flip)

List Price $

Number of Units

Sq Ft (Per Unit)

Beds/Baths (Per Unit)

ARV $

Repair Estimate (If Applicable) $

Current Rent Income $

Market Increase Potential $/%

Purchase Price $

PROPERTY ADDRESS

Property Type (SF/MF)

Purpose (Buy and Hold/Fix and Flip)

List Price $

Number of Units

Sq Ft (Per Unit)

Beds/Baths (Per Unit)

ARV $

Repair Estimate (If Applicable) $

Current Rent Income $

Market Increase Potential $/%

Purchase Price $

PROPERTY ANALYSISGUIDE

Income

Rental Income $

+

Laundry Income $

+

Storage Income $

+

Miscellaneous Income $

Total $

Cash Flow

Total Monthly Income $+

Total Monthly expenses $=

Monthly Cash Flow $

Expenses

Taxes $Insurance $

Water/Sewer $

Garbage $

Electric $

HOA $

Repairs $

Vacancy $

Mortgage $

Capital Improvements $

Prop Management $

Total $

Cash on Cash Return

Down Payment $

Closing Costs $

Rehab Budget $

Other $

Total Investment $

Annual Cash FlowTotal Investment $X100

Cash on Cash Return $

INVESTMENT GOALS

Number of properties acquired per year:

Income goal per property:

Fix and flip or buy and hold:

Kimberlee CurtisReal Estate Consultant813.503.7171Kimberlee@thekecgroup.comLicense# 3398506

Kris BrintonLoan Consultant813.390.8862Kris.Brinton@Lender.TeamNMLS# 1756300

Call | Email | Text

Kimberlee Curtis is exactly the Realtor you want to represent you. She has had a 15 year careerspanning over $400 million in project management, real estate development, buying and selling—there is really no aspect of real estate that she has not faced and conquered.

Kimberlee’s clients adore her laid-back style, balanced by her patience, friendliness and sharp marketknowledge. She excels as a buyer’s agent and investor specialist, drawing satisfaction from helpingher clients find their dream home or perfect investment property! Her team at The KEC Group isready to guide you through the real estate process from contract to close.

Kimberlee understands that Florida’s friendliest metropolis is undergoing a growth boom. Withmulti-billion dollar projects underway, such as Water Street Tampa and The Westshore MarinaDistrict, Tampa is undergoing a modern transformation. Her 15 years in real estate development andconstruction drives her determination for her clients and their success. She would love to know whatyour real estate goals are—and to help match you with the right properties to attain those goals!

Kimberlee’s favorite neighborhoods in Tampa for work (and play!) include The Channel District,Harbour Island, Davis Island, Hyde Park and the spectacular Bayshore Boulevard! Some of herfavorite local hot-spots include District Tavern, City Dog, Mole Y Abuela, Ocean Prime and Eddie V's.She looks forward to meeting you and discussing your exciting future in Tampa real estate!

WHO WE ARE

Kris Brinton has extensive experience in the lending space. His experience spans from everythingfrom first time home buyers, to serious investors and our community's veterans. His deepunderstanding of these complex financial products coupled with his ability to create a personableexperience ensures that his borrowers have a seamless yet effective process.

Funding over $1 million dollars in loans per month creates a proven track record of effective lendingpractices. By taking a consultative approach to the home loan process, Kris is able to identify hisborrowers financial goals.

Kris Brinton maintains a firm belief that everyone has the right to pursue their own idea of theirperfect home. Having a place to call home has been an integral motivator in Kris' career. Hailingfrom Perm, Russia, Kris grew up in Tampa, FL and has been passionate about helping peopleachieve a place they can call home.

Kris firmly believes that real estate is one of the most effective ways to build wealth. He has helpednumerous investors increase their real estate portfolios by assisting them with strategies andnavigating investment mortgage product options. By providing flexible financing options mixedwith a deep understanding of real estate investing, Kris' investor clients have increased cash flow,portfolio size and have been able to keep more money in the bank.