Breaking the Rent Cycle: Creative Mortgage Solutions for Today’s Buyers - EP 99

In this episode of Real Estate Riches, host Kathy Byrnes is joined by Lindsey Sandoval and Stephanie Gates of Top Flight Home Loans for a powerful conversation about real mortgage solutions in today’s challenging market. With inflation, rising rents, and credit misconceptions holding many buyers back, this episode breaks down the programs, strategies, and creative financing options that help families finally get out of the rent cycle. From down payment assistance and FHA loans to rent-to-own alternatives and investor cash-out refinances, this conversation is packed with real-world examples and actionable insights.

🎧 Hosted by: Kathy Byrnes
🎤 Featuring: Lindsey Sandoval & Stephanie Gates (Top Flight Home Loans)

Lindsey Sandoval is a real estate and mortgage professional with 10+ years of experience in residential and commercial real estate. She has worked with CBRE, Cushman & Wakefield, United Real Estate, and eXp Realty, and currently serves as a Realtor® with eXp Realty and a Loan Officer with Top Flite Home Loans.
Stephanie Gates is a mortgage professional with 30+ years of experience across operations and sales. She is affiliated with Top Flite Home Loans, a full-service direct lender and mortgage broker offering Conventional, FHA, VA, USDA, Jumbo, and Non-QM loan programs.

💡 What You’ll Hear:
✔️ Why many buyers mistakenly believe they can’t qualify for a mortgage
✔️ Down payment assistance programs and low credit score options
✔️ FHA, VA, USDA, and state-specific lending solutions
✔️ How Top Flight’s Dream Saver (rent-to-own style) program works
✔️ Real success stories from buyers and investors
✔️ Cash-out refinances and DSCR loans for real estate investors
✔️ Training and insights for Realtors looking to expand their value
✔️ Why education and proactive problem-solving matter in today’s market

⏳ Timestamps (Click to Jump!):
📌 00:00 – Introduction and Current Market Challenges
📌 00:27 – Meet the Experts: Stephanie and Lindsey
📌 00:51 – Loan Programs and Solutions for Home Buyers
📌 02:57 – Unique Programs for Renters and Investors
📌 06:15 – Success Stories and Client Experiences
📌 12:26 – Expanding Business and Building Legacy
📌 20:38 – Training and Tips for Realtors
📌 23:50 – Conclusion and Contact Information

📇 Connect with Lindsey Sandoval & Stephanie Gates:
📸 Instagram →   / want_to_invest_in_real_estate  
📘 Stephanie’s Facebook →   / stephaniegates.topflitehomeloans  
🔗Stephanie’s LinkedIn →   / stephanie-gates-64616aba  
📘 Lindsey’s Facebook → https://www.facebook.com/profile.php?...
🔗 Lindsey’s LinkedIn →   / lindsey-sandoval-20922b79  

🎙 Follow Kathy Byrnes:
🌎 Website → https://www.thereispowerinproximity.com
📞 Book Strategy Call → https://www.thereispowerinproximity.c...
📘 Facebook →   / kcbyrnes  
📷 Instagram →   / kathy_byrnes_lkn  
🔗 LinkedIn →   / lakenormanliving  

🔖 Don’t Forget to LIKE 👍, SUBSCRIBE 🔔 & COMMENT 💬 Below!
⭐ Produced by Icons of Real Estate → https://iconsofrealestate.com