Kyle Farmer

Kyle Farmer is a Lead Account Executive at Tidal Loans, where he structures financing for real estate investors buying, refinancing and holding income property. Most of his work sits on the rental side of the business — DSCR loans qualified on the property’s income rather than the borrower’s tax returns, cash-out refinances that recycle capital into the next deal, and short-term rental files where projected income carries the underwriting.

Deals Kyle has closed appear across this site. He was the account executive on a $303,100 DSCR cash-out refinance in Orlando, a $618,750 DSCR loan on a twelve-unit building in Baton Rouge, a $319,200 cash-out refinance on a Houston investment property, and a $475,300 refinance of a vacant lakefront short-term rental in Buchanan Dam, Texas — a file that qualified on projected STR income while the property sat empty.

That mix is the point. Rental financing rarely looks like a textbook. Kyle’s files tend to be the ones where the income is real but the paperwork does not fit a bank box: vacant properties, recent renovations with no seasoning, short-term rental income, borrowers holding in an LLC. Tidal Loans has no minimum credit score and no minimum DSCR, so the work is structuring around the deal rather than declining it.