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

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. 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. 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. 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. 🎙️ Episode Timestamps  0:00 Introduction  3:45 What is Creative Finance?  7:32 DSCR loan , 0 Income Documentation?  12:34 How important is credit score?  16:41 Income vs Credit score  19:50 AI integration as Mortgage Broker  21:35 No Credit vs Bad Credit ?  26:15 Interests Rates & When To Buy ?