Brian Bowman
A real estate investor and capital strategist with 30+ years in mortgage and investor lending. Brian and the DSCR Kings team structure DSCR, hard money and bridge financing for investors nationwide.
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 properties with the same loans he arranges for clients. He has dealt with appraisals that came in short, rehabs that ran long and refinances that had to happen 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.
He’s also 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.
What Brian is known for
Structure before rate
- Building 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 based on full ARV, up to 80% where programs allow
- Hard money for purchase and rehab, up to 90% of cost, then a planned exit into long-term DSCR
- Price matching: choosing the lender with the best underwriting, then asking 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 an investor’s 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
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 example: a short-term rental refinance in Long Pond, PA. The investor bought and rehabbed it with hard money, put $350K into the renovation, and qualified on AirDNA market data with no rental history. The bank’s appraisal cut the value by over $100K. We got it back, and the loan closed in October 2026 at an $876K value with $125K cash out.
Recognition
Common questions about working with Brian
Who does Brian Bowman lend to?
Real estate investors only. DSCR Kings arranges business-purpose loans for investment property, 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. That lets us 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 do I start?
Send us your deal through the 60-second deal snapshot or book a strategy call. There’s no credit pull to start.
