Amy Brand & Jennifer L Huber - Income by Design

Amy Brand & Jennifer L Huber - Income by Design Helping heart-forward entrepreneurs stack income through real estate, lending & hybrid models. How will you tell your story?

Personal growth, mental health, and creative strategies for building wealth & impact—by design.

12/03/2025

Private Money Lets You Move at the Speed of Opportunity

Andy Tanner teaches that wealthy people don’t chase opportunities —
they prepare for them.

When a deal hits the market, you don’t have time to:

wait for underwriting

collect 27 documents

hope the bank sees your vision

Private lenders allow you to say:

“Yes — I can close.”

That confidence alone puts you in the top 5% of investors.

12/03/2025

Banks say no.
Private lenders say how?

When you control the capital, you control the timing, the terms, and ultimately… the opportunity.

A great deal without funding is just a dream.
A great deal with private funding is a cash-flowing asset in the making.

12/02/2025

Private Money Protects You From Market Shifts

When banks tighten lending standards (and they always do during uncertainty),
private lenders keep your business moving.

This is how investors survive downturns —
and thrive in them.

12/02/2025

If you study the most successful real estate investors… you’ll notice something.

They don’t just buy properties.
They don’t just look for “deals.”
They build financial systems around themselves.

And one of the most important systems?

A Private Money Lender.

Not because it’s trendy.
Not because other investors do it.
But because .. in the world of wealth building ... control is everything.

12/02/2025

🔥 Real Estate Investors: DSCR Loans Are Changing the Game 🔥
If you’re building rentals or Airbnb units, you NEED to understand DSCR (Debt Service Coverage Ratio).

DSCR = How well your rental income covers the mortgage.
If the property cash flows, YOU qualify. ✔

👇 Here’s what we offer:
• Up to 80% LTV
• DSCR down to 0.75 on long-term rentals
• DSCR 1.0 on Airbnb/STR
• Credit starting at 600 (660+ preferred)
• NO income docs
• NO tax returns
• NO DTI or employment checks
• Vacant, leased, or STR = ALL OK
• LLCs + new entities welcome
• Reserves can be financed or from cash-out

❌ We don’t do:
• Primary or second homes
• Commercial >5 units, padsplits, assisted living
• Rural or 10+ acre properties
• Loans over $5M
• Recent major lates, BKs, or foreclosures

🏡 Perfect for landlords & Airbnb investors who want to scale FAST — without personal income qualification.

If you’re ready to grow your portfolio using smart financing, send me a message. 📩

11/25/2025

Ready to Build? We Make Ground-Up Construction Simple.

Most investors lose time ...and deals .. because construction funding is slow, confusing, and full of red tape.
It doesn’t have to be that way.

Our Ground Up Construction (GUC) loans give you fast, clear, and reliable capital so you can move from blueprint to build without delays.

Here’s how we help you win:

Finance up to 90% of your lot purchase

Cover 100% of construction costs

Loan amounts from $50K to $3.5MM

Perfect for 1–9 unit projects

12-month terms (extendable to 18 months)

Points as low as 2.0%

Competitive interest-only rates

No application fees. No prepayment penalties.

Same-day approvals and closings in 5–10 business days

What You Need:

650+ FICO

$15,000 liquidity or 25% of construction budget

Visa/Green Card/Work Permit

Completed application + business entity docs

Signed sale agreement

3 months bank statements

Photo ID

Itemized construction list

If you’re ready to take a project from an empty lot to a thriving investment, we’re ready to help you build it.

👉 Get started today
Your next project shouldn’t wait ... and with us, it doesn’t have to.

11/10/2025

Losing Deals to Faster Buyers?

Every day you wait on traditional financing is another day someone else locks up YOUR deal.

We get it. You've found the perfect property. The numbers work. But banks want 45 days, income docs, tax returns, and a prayer. By the time they say "maybe," the deal's gone.

Here's how we're different...

We've closed 1,000+ deals for investors just like you. No income verification. No tax returns. No waiting.

Your Path to Funding:
1️⃣ Apply online in 60 seconds
2️⃣ Get approved in 24-48 hours
3️⃣ Close in as little as 5 days

Built for investors who move fast:
→ Up to 80% financing on purchases
→ Cash-out available post-renovation
→ Credit scores from 600
→ Available in 46 states

The best part? No prepayment penalty when you're ready to refinance or sell.

Don't let slow financing cost you another six-figure opportunity.

DM us to get started

11/07/2025

You've built the projects. You have the experience. But the bank wants to see your tax returns.

Sound familiar?

Traditional construction lenders are stuck in the past. They want documentation that has nothing to do with your ability to build profitable projects.

Meanwhile, your next opportunity is sitting there waiting.

Here's how experienced builders are moving forward...

Instead of drowning in paperwork, they're getting approved based on what actually matters: their proven track record.

What this looks like:
- Fund 75% of land + 100% of construction costs
- No income docs, tax returns, or DTI requirements
- Zero loan payments during construction (financed reserves)
- Advanced draws that keep pace with your schedule
- Close in as fast as 5 days

The projects we fund:
Raw land builds | Tear-downs and rebuilds | Adding units to 1-4 unit properties

Whether you're building spec or pre-sold, your experience is your approval.

Here's the simple plan:

You bring your project, your budget, and your builder track record. We bring the funding that keeps up with you. You build without the financing headaches. Everyone wins.

Proven builders in 46 states are already using this.

The question is: what project have you been putting off because financing felt too complicated?

Let's make it simple. Contact us today.

11/06/2025

Real estate investing has completely changed my approach to building wealth 💸

The consistent cashflow? That's what real freedom looks like. 😎

If you're searching for your next investment property before the year ends, let's connect 🤔

I'm seeing a surge of compelling opportunities right now ... deals with strong cash-on-cash returns that also make a real difference by helping families achieve homeownership. 😁🙌

Send me a message and I'll share what's currently available 🤝

11/06/2025

What if the things that used to feel impossible… weren’t?

What if you could pay off debt faster, fix your credit, grow your income, and actually enjoy your life again?

You don’t need a miracle ... just a method, and a team who knows how to get results.

It starts with one message. One step. One “yes.”

Drop “READY” below if you’re done struggling and ready to start thriving.

Remember when you bought your first investment property?The excitement. The nerves. The endless paperwork.Now imagine do...
11/04/2025

Remember when you bought your first investment property?

The excitement. The nerves. The endless paperwork.
Now imagine doing it again — but this time, without the traditional income verification headaches. No tax returns. No W-2s. Just the property's cash flow doing the talking.

That's the power of DSCR lending.

Right now, rates are sitting in the high 5's to low 6's. If you've been waiting for the right moment to expand your portfolio or pull cash out to fund your next deal, this is it.

Here's what's possible:
✅ Up to 80% LTV on Purchases
✅ 75% on Rate & Term Refinances
✅ 70% on Cash-Out Refinances
✅ Fast Closings & Streamlined Approvals
✅ Low or No Credit Score Options
✅ ITIN Borrowers Welcome
✅ Long-Term & Short-Term Rentals OK
✅ 1–4 Units and Multifamily Properties

Whether you're a seasoned investor adding to your empire or someone ready to scale from one property to ten — the path forward is clearer than it's been in months.

The properties are out there. The rates are here. All that's missing is your next move.

🔹️Get your DSCR Term Sheet in Minutes!

11/03/2025

Your Next Flip Shouldn’t Fall Apart Because of Financing.

You’ve got the deal, the crew, and the vision ... but traditional lenders keep saying no or moving too slow.
Every day that passes, your profit margin shrinks.

You don’t need another banker telling you what can’t be done.
You need a funding partner who gets how investors really work.

That’s where we come in.

As your Trusted Guide for Creative Lending Solutions, we help fix & flip investors close faster and smarter with:
✅ Short-term bridge loans for fast acquisitions
✅ Funding options that make sense for unique properties
✅ Clear communication from start to finish ... no guesswork, no gatekeepers

When you’ve got a solid deal, you deserve solid support.
Let’s make sure financing is never the reason your next flip doesn’t happen.

Message us today to get your project funded and your profits protected.

Address

1113 Ames Avenue
Ocean Springs, MS
39564

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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Our Story

Loan Officer

NMLS #103259

Amy Brand is a Mortgage Professional that epitomizes integrity, energy, hard work, and creative service in every detail of the real estate transaction. Amy is a family woman with a devotion to God, her three beautiful children & her adorable chihuahua, Lucy. Amy started her career in the mortgage industry over 20 yrs ago . Her knowledge of products and programs allows her the ability to help her borrowers find the program that best matches their individual needs.