FOUNDER & LEAD STRATEGIST, DSCR KINGS
Brian Bowman
A real estate investor who structures loans for real estate investors. For 30+ years, Brian has built DSCR, hard money and bridge financing around the deal first, so the loan fits the investor’s strategy instead of the bank’s box.
THE INVESTOR’S PERSPECTIVE
An investor first
Brian Bowman started in real estate at 18 as a licensed real estate broker. Over the next three decades he moved into mortgage and investor lending and built a multi-million-dollar rental portfolio of his own.
That second part matters. Brian has bought, rehabbed, refinanced and held property with the same loans he arranges for clients. He has lived through appraisals that came in short, rehabs that ran long and refinances that had to close on a deadline. So when he looks at your deal, he looks at it the way an investor does: leverage, cash flow, risk, and how you get to the next one.
Outside of work, he’s a family man who loves to fish, dive and surf. He spent more than 20 years in Hawaii, and he and his wife Charity run DSCR Kings together.
Investor. Family man. Strategist.
SKIN IN THE GAME
Advice from an investor, not just a loan officer
Most people giving investors financing advice have never bought, rehabbed or refinanced a property of their own. Brian has. He’s an investor first, with a multimillion-dollar portfolio built to create generational wealth for his family, financed with the same DSCR and hard money loans he arranges for clients.
That portfolio includes waterfront homes in Florida, among them a riverfront flip with its sale now pending; a home on Oahu’s North Shore, across from world-famous surf breaks, rented long-term along with a one-bedroom ohana suite converted from the garage; a canal-front short-term rental in Cocoa Beach that earns multiple six figures a year; and short-, mid- and long-term rentals in Memphis, Tennessee.
“Don’t take advice from someone who’s never stood where you’re standing. I’ve put my own capital, my own credit and my family’s future into these deals. Now I help investors build what I’ve already built for myself.” Brian Bowman
A multimillion-dollar portfolio from Hawaii to Florida. Here are just a few.
THE APPROACH
How Brian structures a deal
Most loan officers check whether you fit the bank’s box. Brian builds your deal to match the programs with higher leverage, lower rates and better terms.
Structure before rate
- Builds each loan around the guidelines of the bank that fits the deal, so it’s ready for underwriting before it’s submitted
- No-seasoning DSCR cash-out refinances on the full ARV, up to 80% where programs allow
- Hard money up to 90% of the purchase and 100% of the rehab, with the DSCR exit planned before you close
- Price matching: picks the lender with the best underwriting, then asks them to match the best price available
Beyond the loan
- Closing in an LLC, with entity, anonymity and asset protection strategy
- Credit-partner options when a score is the only thing holding a deal back
- Short-term rental financing and operating know-how, from AirDNA-based qualifying to occupancy
- His own team of CPAs, cost segregation firms and trust attorneys, with no referral fees
COMPLICATED FILES. CREATIVE SOLUTIONS.
The last-mile deals
A lot of Brian’s work comes from deals another lender couldn’t close. The appraisal came in low. The credit was a few points short. The seasoning rule didn’t fit the timeline. The borrower needed to close in an LLC with a partner. Those are the files where knowing the guidelines better than the underwriter makes the difference.
A recent last-mile file
Marina View Dr
A two-part deal with full white-glove service. Brian funded the purchase with a hard money loan, then came back on the back end and refinanced it into a long-term DSCR loan. Along the way:
- The investor needed a credit partner to qualify, so Brian structured one into the deal.
- The appraisal came in low. Brian’s team filed a reconsideration of value showing the appraiser had missed the lake view, which added $30,000 to the value.
- California FAIR Plan fire insurance was expensive, so we found homeowners coverage that saves the investor more than $3,600 a year, cutting his payment by over $300 a month.
The payoff: bought for $180K with 10% down, renovated for $45K, appraised at $339K a year later. Refinanced into a DSCR loan at 80% of the new value, about $64K back to the investor, who started with $18K down.
RECOGNITION
Recognition
THE PEOPLE BEHIND THE PROCESS
The team behind the deals
Brian doesn’t hand you off. He works your file with a small team that has closed thousands of investor loans together.
Charity Bowman
Co-Founder, Licensed Loan Officer and Operations Manager
Kim Gordon
Senior Loan Processor, head of processing and bank relations, 15+ years in the industry
Josh Trujillo
Business-Purpose DSCR Agent and Creative Strategist
CLIENT EXPERIENCES
What investors say
“Aggressive deadlines, unexpected bank requirements, and even a denial from the first lender that could have easily killed the deal. But Brian never wavered. He immediately pivoted, found a new bank… and got it approved in the final hours, literally saving the deal.”
— Logan B., short-term rental purchase, DSCR loan
“I am out of state and had a project in Florida that I was having a hard time funding… Brian’s experience was crucial in finding a great solution and funded my project very quickly. As soon as I was ready to refinance, Brian worked quickly to get our deal closed.”
— Rod R., out-of-state rehab, then refinance
“I have worked with Brian for several years. He is knowledgeable, dependable and most of all gets things done when others cannot.”
— Cameron R., repeat investor
“Brian came thru in the 9th inning and hit a home run… We thought it was no hope for the deal when we got in contact with Brian and his team.”
— Terrell S., investor, LLC borrower
From verified client reviews. 4.8★ across 1,575 reviews.
STRAIGHT ANSWERS
Common questions about working with Brian
Who does Brian Bowman lend to?
Real estate investors only. DSCR Kings arranges business-purpose loans on investment property, usually closed in an LLC or other entity. We don’t do owner-occupied home loans.
Where does DSCR Kings lend?
Nationwide, in nearly every state.
Is DSCR Kings a bank?
No. We’re a broker with access to 200+ banks and loan programs, so we match each deal to the lender whose guidelines fit it instead of forcing every file into one bank’s box. With DSCR Kings on your side, it’s us vs. the bank.
How fast can I get an answer?
Approvals typically come within 24–48 business hours once we have the deal.
How do I start?
Send your deal through the 60-second deal snapshot or book a strategy call. There’s no credit pull to start.
DSCR KINGS
Let’s build your next deal the right way.
No credit pull to start · nationwide
