FIRST TIME HOME BUYER GUIDE 2026: EVERYTHING YOU NEED TO KNOW || KYLIE BRENNING || EPISODE 080

<p>Kylie Brenning has been active in the real estate industry since 2018, starting her career in commercial real estate development before transitioning into lending in 2022. That foundation gives her a unique, well-rounded perspective on both the building and financing side of real estate.</p>

<p>As a Mortgage Broker, Kylie works across both residential and commercial lending, leveraging strong relationships with a wide network of banks and lending institutions. Her approach is solution-focused—no matter how niche the deal or complex the situation, she believes there is always a loan product or strategy that can make it work.</p>

<p>Beyond her work in lending, Kylie serves as the President of E.P.I.C.C. (Empowering Professionals In Clark County), a nonprofit dedicated to giving back through meaningful networking, community-driven events, and supporting local charities and small businesses throughout the Pacific Northwest.</p>

<p>In this episode, we break down the realities of lending in today’s market—from creative financing strategies to how AI is shaping the future of mortgage brokering. Whether you’re a first-time buyer, investor, or entrepreneur, this conversation is packed with practical insights on navigating credit, income, and opportunity in real estate.</p>

<p>🎙️ Episode Timestamps </p>

<p>0:00 Introduction <br />

3:45 What is Creative Finance? <br />

7:32 DSCR loan , 0 Income Documentation? <br />

12:34 How important is credit score? <br />

16:41 Income vs Credit score <br />

19:50 AI integration as Mortgage Broker <br />

21:35 No Credit vs Bad Credit ? <br />