---
canonical_url: https://lendb.ai/s/dscr/alabama
last_verified: 2026-10-09
---

# DSCR loan officers in Alabama

As of 2026-10-09, LenDb lists 9 loan officers licensed in or based in Alabama whose lender pages show DSCR loan work. The top-ranked are Wendy Seagle (CrossCountry Mortgage, Fort Walton Beach), Eric Rosemary (CrossCountry Mortgage, Boca Raton) and Christina Bús (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in AL, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Wendy Seagle](https://lendb.ai/lo/wendy-seagle-194641)** (NMLS 194641), CrossCountry Mortgage, Fort Walton Beach, FL
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 35 years of experience (lender page, 2026-10-09)
2. **[Eric Rosemary](https://lendb.ai/lo/eric-rosemary-301253)** (NMLS 301253), CrossCountry Mortgage, Boca Raton, FL
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2012 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
3. **[Christina Bús](https://lendb.ai/lo/christina-bus-118777)** (NMLS 118777), Loan Factory
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
4. **[Jim Brettl](https://lendb.ai/lo/jim-brettl-455400)** (NMLS 455400), Xpert Home Lending
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
5. **[David K. Clark III](https://lendb.ai/lo/david-k-clark-iii-1375791)** (NMLS 1375791), Lit Financial Corporation
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
6. **[Ryan McGran](https://lendb.ai/lo/ryan-mcgran-2520487)** (NMLS 2520487), Lit Financial Corporation
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Colorado records)
7. **[Billy Abdallah](https://lendb.ai/lo/billy-abdallah-1579598)** (NMLS 1579598), Lit Financial Corporation
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2026 (per Florida records)
8. **[William Commons](https://lendb.ai/lo/william-commons-79745)** (NMLS 79745), Assurance Financial, Baton Rouge, LA
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2019 (per Colorado records)
9. **[Kane Navarro](https://lendb.ai/lo/matthew-navarro-1705907)** (NMLS 1705907), Xpert Home Lending
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)

## Questions to ask

- What minimum DSCR do you require, and how do you calculate rent?
- Can I close in an LLC?
- What prepayment penalty options do you offer?

Cite as: LenDb.ai, https://lendb.ai/s/dscr/alabama.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._