ABOUT US
With over 30 years of combined experience in residential and commercial finance, I began my journey as a Real Estate Broker at just 18 years old, and I’ve been passionately immersed in the industry ever since. My expertise lies in empowering investors through portfolio leverage that enhances capital access and reduces the cost of funds helping investors grow their portfolio and expose options you may not recodnize alone.
I also consult in asset protection strategies, utilizing LLCs, Holding companies, and trusts to ensure that your legacy remains intact and doesn't fall to the government. Moreover, I understand the art of maximizing your home’s value during appraisals and stay updated as a broker with my finger on the pulse of the business purpose and investor sectors.
With a keen awareness of which banks offer the best terms and highest leverage, I guide my clients through the intricacies of the ever-evolving banking landscape. My mission is to provide exceptional service while unlocking creative solutions that help investors grow their portfolios and create generational wealth for their families.
Working together your portfolio will expand and grow beyond your wildest dreams. They don’t call me the DSCR King for nothing.
OUR TEAM OF LOAN OFFICERS
Charity McCanna isn’t just a Mortgage Broker — she’s a powerhouse partner for real estate investors ready to grow and scale smarter. Alongside her husband and business partner, Brian Bowman, Charity specializes in Hard Money and DSCR loans, helping clients seize opportunities, maximize returns, and build lasting wealth. Known for her sharp market insights, creative financing strategies, and an unshakable commitment to excellence, Charity brings more than loans to the table — she brings vision, strategy, and results. She and Brian work tirelessly to create financing solutions tailored to each investor’s unique goals, making the impossible happen every day. If you’re serious about expanding your real estate portfolio and want a team that’s just as serious about your success, it’s time to work with Charity McCanna — where expertise meets hustle, and your investment dreams become reality.
BRIAN CARPENTER
LOAN OFFICER
- NMLS# 1951580
I am an accomplished Mortgage Lending professional with a passion for assisting clients with their Mortgages, Real Estate Investments and Personal Finances. I believe in building relationships that go beyond just the transaction, and strive to create a personalized experience that meets the unique needs of each and every one of my clients. With 20 years of experience in Finance, I have established myself as an expert in formulating multiple options to consider, problem solving and consistently delivering outstanding results for my clients. My unique approach to Mortgage Lending combines creativity, strategic thinking, and a deep understanding of my clients needs and future goals. I began my career as a Finance Manager in the automotive industry. With over 10,000 completed transactions, this experience provided me the foundation to develop a strong skillset in Lending, Underwriting, and Customer Service. From there, I continued to hone my craft, taking on increasingly more challenging projects and developing a reputation for excellence in Mortgage Lending. Today, I am a recognized leader in the Mortgage Industry, sought after for my expertise and ability to deliver results from repeat clients and their friends and family members. I am 100% dedicated to being available to my clients side every step of the way whether I am answering my phone at 10 o'clock at night, or setting up meetings on the weekend. It is my goal to earn the role as your lifetime Mortgage Consultant. If you are in need of Mortgage Lending services, Real Estate Investment advice, or Personal Finance guidance, I am here to help. With my extensive experience, dedication to client satisfaction, and personalized approach, you can trust that you are in good hands. Contact me today to discuss how I can assist you with your financial and real estate needs.
JOSH TRUJILLO
LOAN OFFICER
I help real estate investors get the funding they need to build wealth through real estate. After years in the industry, I realized how confusing and overcomplicated the lending process can feel. My goal is to make it simple and straightforward so you can focus on closing deals, not fighting through red tape. I work with investors across the country on DSCR loans, bridge loans, fix and flip funding, and creative structures. Whether you’re buying your first rental, doing a cash-out refinance to pull equity, or structuring a tricky deal that needs multiple moving parts, I’ll help you line up the right terms and get it funded smoothly. I like working with people who think outside the box. The ones who are building something bigger for themselves and just need someone who can help them navigate the lending side the right way. When I’m not working on loans, you’ll usually find me traveling or spending time outdoors with my fiancée and our two dogs. If you’re an investor looking for a loan that actually fits your goals, reach out and let’s talk through your deal.
NICK ROBERTSON
LOAN OFFICER
- NMLS# 2073278
With a strong background in management at one of the top mortgage lenders in the industry, you will not be in better hands. With extensive knowledge of the mortgage industry, I have a unique understanding of all aspects of a real estate transaction. I take great pride in educating my clients while navigating them through the ever-changing mortgage process. I desire to give my clients nothing short of a five star experience at all times. I have a simple philosophy, work hard, treat my customers the way I would like to be treated, and work on each loan as if it were my own. This simple philosophy has led to a wildly successful career and many happy customers. Our company, E Mortgage Capital, not only has phenomenal, wholesale interest rates, we also have an A+ rating with the Better Business Bureau and fantastic reviews online. Feel free to google myself or my firm “E Mortgage Capital.” I'd love to work with you. Give me a call or email me today!
RICKY CHRISTIAN
LOAN OFFICER
- NMLS# 2563933
As someone who has been through the ups and downs of being an investor in real estate himself, he understands his clients through his personal experiences. Ricky is committed to helping real estate investors secure strategic financing solutions. With a keen understanding of investor needs and market dynamics, Ricky has built a reputation for delivering fast, flexible funding that aligns with his clients’ investment goals. From starting a business himself, to now partnering with E-Mortgage Capital, Ricky specializes in Hard Money and DSCR (Debt Service Coverage Ratio) loans—empowering real estate investors to scale their portfolios, finance flips, and secure rental properties with tailored lending solutions. His approach blends deep industry knowledge with a personal commitment to transparency, speed, and success. Whether you're a seasoned investor or just starting out, Ricky brings a fun-loving, no-nonsense approach to funding that gets deals done.
ANDREW MALM
LOAN OFFICER
- NMLS# 2663426
I don’t just fund properties — I fuel portfolios and unlock dreams. With over 20 years of lending experience, I know how to navigate every market shift, financing hurdle, and closing challenge that comes your way.
Whether you’re growing a portfolio or locking in your dream home, I’ll bring bold, strategic lending solutions built around your goals — not a one-size-fits-all approach. I specialize in conventional loans, DSCR and Hard Money— all tailored for speed, clarity, and results.
You can count on me for fast execution, clear communication, and creative deal structuring. While others get caught in red tape, I get deals done.
Let’s build your future — one property at a time.
Xavier Sanchez
LOAN OFFICER
- NMLS# 2664683
You can call me X— entrepreneur, former gym owner, and the guy business owners call when they’re ready to start building wealth through real estate. After selling seven fitness centers (and buying the buildings on two of them), I realized something powerful: real estate is the move. Not just for investors, but for everyday business owners who are tired of trading time for money with nothing to show for it.
That’s why I joined DSCR Kings — to help self-employed people leverage smart lending strategies and start building their real estate portfolio, one property at a time. Whether you’re buying your first rental, pulling cash out to reinvest, or just trying to figure out what’s possible with your income and credit — I’ve got you. No fluff. No suits (I prefer jeans, chucks and a hat). Just real advice, creative solutions, and a commitment to helping you create long-term freedom through real estate.
