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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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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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Knox Mailhes is a leader in the title insurance industry.  He has developed strong relationships with lenders, realtors, and insurance underwriters.  His approachable demeanor, extensive network, and wide-ranging experience all are features which contribute to the success of Integrity Title Solutions ("ITS").  But, of course, when we talk to him, Knox is quick to deflect the praise and, instead, he points to the hard-working staff at ITS which impressively execute the work born from Knox's relationships.

The Pinnacle brothers sat down with Knox while enjoying lunch from The Clover and The Bee in Webster.  By the way, if you haven't checked out The Clover and the Bee or its neighbor O+O Pizza, don't delay... these are great food spots in St. Louis.  In this episode Knox discusses the current real estate climate as well as some of the unique value-added tools available with ITS.  When you talk to Knox, you get the feeling that he genuinely wants to help.  He looks for ways to provide something of value for the people around him.  

We discussed the opportunities available in real estate.... from taking advantage of this market in order to find the home you have been dreaming about ...to looking for attractive investment options.  The world of real estate has a wide berth and Knox knows a lot along that spectrum.  Enjoy our conversation with Knox Mailhes of Integrity Title Solutions. 

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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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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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Mark Lynch is an impressive representative of the St. Louis community.  There is no need for Mark to describe himself as diligent and prepared... Those characteristics are strikingly obvious as the Pinnacle brothers enjoyed their conversation with Mark at Kaldi's in Chesterfield.  Undoubtedly, Mark's real estate clients must feel confident and well-represented knowing that Mark is guiding their transaction transaction.

His strong educational background is familiar and assuring in the St. Louis community.  He attended St. Louis University High School, then the University of Notre Dame, and finally Indiana University.  Mark didn't simply go through motions at these acclaimed institutions, but rather, he embraced learning and continues to value the education he received.

Mark is tremendously prepared and well-spoken.  He has a gift for understanding numbers and he can avoid the blinding effect of emotions on business.  A real estate transaction is largely governed by managing expectations.  Mark's analytical approach and his desire to understand what his clients truly want in their particular transaction makes him a very valuable resource as a real estate agent.  Enjoy this episode as Mark generously shares his thoughtful approach to the real estate industry. 
 

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The Pinnacle brothers sat down with Aprille Trupiano at Cafe Dolce in the Hill neighborhood.  It was so interesting to listen to Aprille in a coffee shop nestled in the Italian community of St. Louis as she shared stories about her unique upbringing, travel experiences, and versatile employment history between St. Louis, Chicago, and Milan.  

Aprille boasts an approach to life that most of us conclude can't be done.  Aprille, the "Workaround Queen" suggests we create our own system as we approach life's challenges and opportunities.  As a business owner and business coach, Aprille prides herself on being a straight talker.  She simplifies the system we should pursue and urges that we: "Just Do What Is Important!"

This system is an everyday exercise on the way to establishing our 100 year legacy.  In this episode, listen as Aprille describes her entertaining journey governed by 2 very important questions: 1) What can I do every day that matters?; and 2) What matters every day?  As you listen to Aprille, consider how you can give yourself the latitude to find the right thing that works for you. 

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It doesn't matter whether you have known Keaira Anderson for 10 minutes or 10 years, her energy is powerful and uplifting.  With a strong background in social work and community building, Keaira has explored her capacity to do more... and it's clear her ceiling is high.

In just a short period of time, Keaira has transitioned into a successful real estate agent, author, and even the host of an Emmy-nominated television show.  Perhaps "transitioned" isn't even the right word for Keaira because her new roles simply are an extension of the mindset she developed in social work.  She embraces a "capacity building" approach and describes herself (and everyone) as a "vessel for sharing information."

Keaira shares tangible strategies to walk with purpose and nurture self-confidence.  Additionally, Keaira is inspired to lift up St. Louis and spread the motto of "Love Where You Live."  Tune into this episode for a guaranteed smile.  At the end of the episode, you will want more... then you can read her book How to Sell Homes Fast for Top Dollar and watch her on the television show The American Dream.

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A Red Circle

She ran out of PTO at the reputable law firm she worked as a successful paralegal... so Erica Williams simply formed her own company.  Today, that company - A Red Circle - is a very active and impactful organization.  

The Pinnacle brothers look forward to talking with people spurred to action by right motives and right intentions.  Erica clearly is motivated to make a significant positive change in the St. Louis community, particularly in North St. Louis County.  As we have seen before, committing to action results in meaningful change.

Tune in to learn how Erica Williams and A Red Circle are determined to lead a conversion of a "community with so much vacancy" into a community with good food, access to the arts, and effective schools. This inspirational story reveals that anything is possible with a combination of vision and action.  

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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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