Effective Date: February 2026
Last Updated: February 2026

Welcome to BKDSCR.com (“the Site”), operated by BKDSCR (“we,” “us,” or “our”). By accessing or using this Site, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use the Site.

1. About BKDSCR
BKDSCR is a DSCR (Debt Service Coverage Ratio) lending education and consulting resource for real estate investors. We provide educational content, free tools, and lender introductions. BKDSCR is not a mortgage lender, broker, or financial institution. We do not originate, fund, underwrite, or service mortgage loans.

2. Educational Purpose Only
All content on this Site — including but not limited to the DSCR Playbook, calculators, deal filters, checklists, blog posts, videos, and email communications — is provided for general educational and informational purposes only. Nothing on this Site constitutes:

• Financial, investment, tax, or legal advice
• A mortgage loan offer, commitment, or pre-qualification
• A guarantee of loan approval, terms, or rates
• A recommendation to buy, sell, or refinance any property

You should consult with qualified professionals (including licensed mortgage loan originators, attorneys, accountants, and financial advisors) before making any real estate investment or financing decisions.

3. Lender Introductions and Compensation Disclosure
BKDSCR may introduce you to third-party mortgage lenders, brokers, or other service providers. Important disclosures regarding these introductions:

Compensation:
BKDSCR receives compensation from lending partners when a referred transaction closes. This means we are paid only when a deal you are introduced to actually funds. This compensation comes from the lender — not from you. Our educational content, tools, playbook, and initial consultations are provided at no cost to you regardless of whether any transaction occurs.

What this means for you:

• Our lender introductions are not impartial — we work with a select group of lending partners
• You are under no obligation to use any lender we introduce
• We encourage you to compare terms, rates, and fees from multiple lenders before proceeding
• We do not guarantee any lender’s terms, rates, approval decisions, or performance
• We do not act as your agent or representative in any lending transaction

Any lending relationship you establish is between you and the third-party lender. BKDSCR has no control over and assumes no responsibility for the actions, products, or services of any third-party lender.

4. Free Tools and Calculators
The calculators, deal filters, and analysis tools available on this Site are designed for initial screening and educational purposes only. Results are estimates based on general market data and user-provided inputs. They are not appraisals, underwriting decisions, or guarantees of any outcome. Actual loan terms, property values, and investment returns may differ materially from calculator projections.

5. The DSCR Playbook and Downloadable Materials
The DSCR Playbook and other downloadable materials are provided free of charge for personal, non-commercial educational use. You may not:

• Resell, redistribute, or sublicense the materials
• Present the materials as your own work
• Use the materials for commercial training or courses without written permission

All content remains the intellectual property of BKDSCR.

6. User Information and Privacy
When you submit information through our forms (including the lead capture form, email signup, or contact forms), you agree to provide accurate information. We collect and use your information in accordance with our Privacy Policy. Key points:

• We will not sell your personal information to third parties
• We may send you educational emails related to DSCR lending and real estate investing
• You may unsubscribe from email communications at any time
• Information you provide may be shared with lenders only if you request an introduction

7. Testimonials and Case Studies
Testimonials and case studies featured on the Site represent individual experiences and outcomes. Results vary based on individual circumstances, property characteristics, market conditions, and lender requirements. Past results do not guarantee future performance. Testimonials may be edited for length and clarity but reflect the substance of the original feedback.

8. No Professional Relationship
Use of this Site does not create a client-advisor, lender-borrower, or fiduciary relationship between you and BKDSCR. Vic Carrion and BKDSCR provide investor education based on personal experience and are not acting in any licensed capacity through this Site.

9. Accuracy of Information
While we strive to provide accurate and up-to-date information, BKDSCR makes no warranties or representations regarding the completeness, accuracy, or currency of any content on this Site. Lending guidelines, interest rates, tax laws, and market conditions change frequently. Always verify current information with qualified professionals.

10. Limitation of Liability
To the fullest extent permitted by law, BKDSCR, its owner, and its affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of or reliance on any content, tools, or materials on this Site
• Any investment, lending, or financial decision you make based on information obtained through this Site
• Any interaction with third-party lenders or service providers introduced through this Site
• Any errors, omissions, or inaccuracies in Site content

11. Intellectual Property
All content on this Site — including text, graphics, logos, tools, calculators, videos, and downloadable materials — is the property of BKDSCR and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from Site content without prior written consent.

12. Third-Party Links
This Site may contain links to third-party websites or services. BKDSCR does not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party sites.

13. Changes to These Terms
BKDSCR reserves the right to modify these Terms and Conditions at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after changes are posted constitutes acceptance of the revised terms.

14. Governing Law
These Terms and Conditions are governed by the laws of the State of New York. Any disputes arising from these terms or your use of the Site shall be resolved in the courts of New York County, New York.

15. Contact
If you have questions about these Terms and Conditions, contact us at:

BKDSCR
1178 Broadway #4417, New York, NY 10001
Email: Vic@bkdscr.com