Mortgage & Real Estate Podcast by Pinnacle

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Pinnacle Loans is not just a lender; they are a partner in your journey towards building wealth through real estate.
By offering DSCR loans, they remove many of the traditional barriers to property investment, allowing for creative and scalable strategies that can lead to a thriving portfolio of rental properties.
A DSCR loan is a type of non-qualified mortgage (non-QM) that focuses on the cash flow generated by the property itself rather than the personal income of the investor. The debt-service coverage ratio is calculated by dividing the property's net operating income by its debt obligations, including principal, interest, taxes, insurance, and sometimes association dues. A DSCR of 1 means the income just covers the debt; above 1, like 1.2 or 1.25, is typically seen as desirable because it indicates positive cash flow, suggesting the property can support the loan payments and then some.
Whether you're just starting or looking to expand an already substantial investment portfolio, Pinnacle Loans' approach to financing is designed to support your ambitions with the flexibility, speed, and insight that today's real estate market demands.

With the right financing partner like Pinnacle Loans,, you're equipped to navigate those challenges and capitalize on opportunities in the rental property market. ThePinnacleLoans.com 314-280-5662 Chris Gianino
Get Approved in 15 Minutes. Close in 2 weeks.
Pinnacle Real Estate Advisor Home Loans 2020 Marconi Ave. St. Louis, Mo 63110 Mobile 314.280.5662 | Fax 314.219.4592 NMLS ID 252641 | Company NMLS 1751117

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LISTEN, BELIEVE, SUPPORT - JUDGE MICHAEL BURTON AND EMA REMTULA HELP VICTIMS SURVIVE AND THRIVE

Often we go about our daily lives without ever considering whether those closest to us might actually harm us... but sometimes, we are exposed to issues of people in our community facing overwhelming feelings of hopelessness and fear... fear of people in their own home.

The Gianino brothers had the eye-opening experience of sitting down with retired Judge Michael Burton and Ema Remtula as they described the mission of St. Louis Survivors Legal Support ("SLSLS") https://www.slsls.org/. SLSLS offers zealous advocacy and meaningful access to justice for victims of intimate partner violence and their children.

This episode is packed with information regarding the challenges faced by people afraid to take action and desperately in need of support. Judge Burton and Ema emphasize the importance of listening, believing, and supporting when it comes to assisting victims of intimate partner violence.

If you or someone you know is in need of protection, please contact SLSLS for help. Call or text message the dedicated helpline: (314) NOW-STOP (314-669-7867). Also, SLSLS is seeking assistance from volunteers, particularly attorneys, as well as financial support.

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Ashley Dailey of Elevate Realty joined the brothers of Pinnacle Home Loans to discuss a number of topics, including her entertaining and courageous use of social media, as well as her successful approach toward her profession as a real estate agent.

In this episode, Ashley generously shares some tips about video content creation. She makes it look easy, but her consistency and genuineness are impressive. Check out her social media pages to see some of her 30 second video productions.

Equally impressive is Ashley's diligence when representing her real estate clients. She does her homework and embraces the importance of thorough communication. Ashley's success in the real estate industry is not an accident - and clients love working with her.

Enjoy this fun episode as you close out 2024 and enter the new year!

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From Outhouse to Penthouse is the title of Tessa Greenspan's book. Meeting with Tessa was nothing short of intriguing and inspirational. Tessa is the product of a frightening rape encounter suffered by her mother when she was 14 years.

Despite her unusual introduction to the world and her very humble upbringing, Tessa chooses every day to be a victor, rather than a victim. She values forgiveness, prayer, meditation, and gratitude. But, perhaps most importantly, Tessa recognizes that there are No Limitations Ever!

Tessa is a best-selling author, motivational speaker, and entrepreneur. Her positive mindset and resilient attitude are contagious. Do yourself a favor and take advantage of the mentoring tips and strategies described in this episode. And soon... you even will be able to enjoy Tessa's story in an upcoming film.

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Two family businesses collaborated on this memorable podcast. The Pinnacle brothers met with Jeannie Baumgartner and her son Christopher. Jeannie and Christopher are St. Louis area realtors blessed with infectious personalities.

Immediately, we were welcomed into a spectacular home in the impressive Raintree community in Hillsboro. The home is accompanied by cascading layers of hard-to-believe landscaping which leads from the back door ultimately down to the lake. But each landing along the way boasts an inviting environment for a gathering. The personalities of these realtors are personified in each element of this home. We should want our dentist to have great teeth and our jewelers to have a great watch... and our realtors should have a great home.

Jeannie leads her team and approaches her profession with unique passion and energy. She is a wealth of real estate knowledge and she is eager to share it with her clients. Jeannie shares some intimate details of the adversity she has faced in her life... particularly some serious circumstances which she encountered this year. Despite the challenges, Jeannie hasn't missed a beat. Her attitude is littered with gratitude and she has successfully passed along such a perspective to her son. They both should be proud of each other. Check out this very uplifting episode.

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