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

# DSCR loan officers in Arizona

As of 2026-10-09, LenDb lists 16 loan officers licensed in or based in Arizona whose lender pages show DSCR loan work. The top-ranked are Kirk Taylor (CrossCountry Mortgage, Naples), Erik Browning (CrossCountry Mortgage, Scottsdale) and Eric Whitney Hexum (Guild Mortgage, Kennewick). Ranking is lender-neutral: specialty evidence first, then a license in AZ, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Kirk Taylor](https://lendb.ai/lo/kirk-taylor-312131)** (NMLS 312131), CrossCountry Mortgage, Naples, FL
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2014 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
2. **[Erik Browning](https://lendb.ai/lo/erik-browning-2264602)** (NMLS 2264602), CrossCountry Mortgage, Scottsdale, AZ
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - Office in Scottsdale, AZ
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)
3. **[Eric Whitney Hexum](https://lendb.ai/lo/eric-whitney-hexum-1569697)** (NMLS 1569697), Guild Mortgage, Kennewick, WA
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
4. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
5. **[Saran Mandhadapu](https://lendb.ai/lo/saran-mandhadapu-2417126)** (NMLS 2417126), Loan Factory
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
6. **[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)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
7. **[Steve Anderson](https://lendb.ai/lo/steve-anderson-1096829)** (NMLS 1096829), Lit Financial Corporation
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2015 (per Florida records)
8. **[Kyle Brunet](https://lendb.ai/lo/kyle-brunet-1237678)** (NMLS 1237678), Lit Financial Corporation
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2016 (per Colorado records)
9. **[Tyler Frantangelo](https://lendb.ai/lo/tyler-frantangelo-1211919)** (NMLS 1211919), Lit Financial Corporation
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2015 (per Colorado records)
10. **[Ayeh Klait](https://lendb.ai/lo/ayeh-klait-1855448)** (NMLS 1855448), Lit Financial Corporation
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2019 (per Florida records)
11. **[Desiree' Byrne](https://lendb.ai/lo/desiree-byrne-2122934)** (NMLS 2122934), Xpert Home Lending
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Colorado records)
12. **[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)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Colorado records)
13. **[Jerry Norton](https://lendb.ai/lo/jerry-norton-2773844)** (NMLS 2773844), Loan Factory
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
14. **[Matthew Hergert](https://lendb.ai/lo/matthew-hergert-234563)** (NMLS 234563), Xpert Home Lending
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## 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/arizona.

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