
FIRST TIME HOME BUYER GUIDE 2026: EVERYTHING YOU NEED TO KNOW || KYLIE BRENNING || EPISODE 080
The Code To WinningShow Notes
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 ?
More from The Code To Winning
In this episode, we sit down with Abraham Gray, a self made entrepreneur with an estimated net worth of $500 million, who started his first business at just 15 years old. Over the years, he has built an empire that includes ownership of more than 50 companies and a real estate portfolio of 225 properties. He also sold his company We Buy Gold for $100 million, a milestone that cemented his place among the most successful young business owners in the country. He is known as a true powerhouse in the entrepreneurial world, having launched over 100 businesses and made his first million by the age of 19.
In this episode, we sit down with Rosezena “TheBizLawyer” Pierce, a leading trademark attorney and the CEO of RJ Pierce Law Group, PC in Chicago. Known as “the biz lawyer” on Instagram, Rosezena takes us through her extraordinary journey, from excelling in law school to facing the harsh reality of job hunting, and ultimately building a highly successful law firm dedicated to intellectual property law.
In this episode, we sit down with Caden, the 15 year old CEO of Caden Teaches, who graduated high school at just 13 years old and is proving that age is not a limitation when it comes to building something meaningful. On a mission to empower and educate young minds, Caden is inspiring a new generation to take control of their financial future and pursue their dreams regardless of where they start. His message is simple and powerful: "If Caden Can, You Can Too."
In this episode, we sit down with Amber, co-founder of MOKIPOPS, to talk about how a simple homeschool project with her three children, ages 3, 5, and 7 at the time, turned into a thriving frozen fruit bar company. What started as a fun way to teach her kids about food, creativity, and hard work quickly became something much bigger when her then 7 year old son asked a question that changed everything: "How can we make more money and not be at every single event?" That one question sparked a serious commitment to building a real, sustainable business for the sake of their children and their family.
INTENNSE Tennis: Inside the League with Marcelo Ferreira and Oliver Bell In this interview, I sit down with two leaders behind INTENNSE, the fast-growing professional tennis league redefining how the sport is played and watched. Marcelo Ferreira is the Head Coach of Team Atlanta and the Director of the High-Performance Tennis Academy at Windy Hill Athletic Club. Oliver Bell is the Chief Financial Officer of INTENNSE, overseeing the league's finance, legal, HR and operations. What is INTENNSE? INTENNSE is a co-ed, team-based pro tennis league built for speed. Matches are played in 10-minute "BOLTs" with a running clock, simple point-based scoring, and live substitutions. A full team matchup (an "ARC") combines men's, women's and mixed singles and doubles. In this interview, we cover: • How INTENNSE started and the vision behind it • Where the league stands today • The direction it's heading and what's next • Why Atlanta's tennis community made it the ideal home for the league • How the player draft works • How the game is played, including the format and rules Chapters 00:00 The Problem with Professional Tennis 02:19 How Intense Tennis Started 08:36 The Fast-Paced Match Format 10:53 Expanding Beyond Atlanta 13:26 The Business of a 90-Minute Match 16:11 Vetting Players for Personality 19:07 Player Salaries and Contracts 26:13 Building a Grassroots Movement 29:57 The Revenue Model and Sponsors 33:40 Equal Pay Across Genders 39:19 Choosing New Cities for Expansion 44:40 Recruiting and NCAA Rules 48:54 The Role of Pulse Partners 51:25 What Could Kill the League? 57:17 What Winning Means to Us