Terms of Service

Last updated: January 1, 2026

These Terms of Service ("Terms") govern your use of the website located at joshbtrujillo.com and all related services provided by Josh Trujillo / DSCR Kings ("we," "us," or "our"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.

Use of Services

Our Services are intended to provide information about DSCR (Debt Service Coverage Ratio) loans and real estate investment financing. You agree to use our Services only for lawful purposes and in a manner consistent with all applicable laws and regulations.

You agree not to:

Not Financial or Legal Advice

The information provided on this website and through our Services is for general informational purposes only. Nothing on this site constitutes financial, legal, tax, or investment advice. Loan products, rates, and terms are subject to change and are not guaranteed.

Before making any financial decisions, you should consult with qualified financial, legal, and tax professionals. Josh Trujillo / DSCR Kings makes no representations or warranties regarding the accuracy, completeness, or suitability of any information provided.

Loan Inquiries and No Guarantee of Approval

Submitting a loan inquiry through our website does not constitute a loan application or a commitment to lend. All loan inquiries are subject to review, underwriting, and qualification criteria. Submission of a form does not guarantee loan approval, specific rates, or terms.

We act as a mortgage broker and may work with multiple lenders. Rates, fees, and loan products available to you will depend on your individual financial situation and lender guidelines in effect at the time of your application.

Intellectual Property

All content on this website, including text, graphics, logos, images, and downloadable resources (such as the DSCR Investor Guide), is the property of Josh Trujillo / DSCR Kings and is protected by applicable intellectual property laws.

You may download and use our free resources for personal, non-commercial purposes only. You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.

Third-Party Links

Our website may contain links to third-party websites or services. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Disclaimer of Warranties

Our Services are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.

Limitation of Liability

To the fullest extent permitted by law, Josh Trujillo / DSCR Kings shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our Services, even if we have been advised of the possibility of such damages.

Our total liability to you for any claims arising from your use of our Services shall not exceed the amount you paid us, if any, in the six months preceding the claim.

Indemnification

You agree to indemnify and hold harmless Josh Trujillo / DSCR Kings and its affiliates, officers, agents, and employees from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of our Services or your violation of these Terms.

Privacy

Your use of our Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.

Changes to These Terms

We reserve the right to update or modify these Terms at any time. We will indicate the date of the most recent update at the top of this page. Your continued use of our Services following any changes constitutes your acceptance of the revised Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the appropriate courts located in California.

Contact Us

If you have any questions about these Terms of Service, please contact us: