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

# DSCR loan officers in Arkansas

As of 2026-10-10, LenDb lists 5 loan officers licensed in or based in Arkansas whose lender pages show DSCR loan work. The top-ranked are Tracey Radinovic (Fairway Independent Mortgage Corporation, Overland Park), Nikkie Bickham (Lower, Hughes Springs) and Jonathan Salinas (CrossCountry Mortgage, Memphis). Ranking is lender-neutral: specialty evidence first, then a license in AR, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)
   - States 14 years of experience (lender page, 2026-10-09)
2. **[Nikkie Bickham](https://lendb.ai/lo/alice-bickham-755411)** (NMLS 755411), Lower, Hughes Springs, TX
   - Lists DSCR loan on lender page (lender page, verified 2026-10-10)
   - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-10)
3. **[Jonathan Salinas](https://lendb.ai/lo/jonathan-salinas-2451140)** (NMLS 2451140), CrossCountry Mortgage, Memphis, TN
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Florida records)
4. **[John Markman](https://lendb.ai/lo/john-markman-1660491)** (NMLS 1660491), Fairway Independent Mortgage Corporation, Overland Park, KS
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 16 years of experience (lender page, 2026-10-09)
5. **[Paul Schmidt](https://lendb.ai/lo/paul-schmidt-2660608)** (NMLS 2660608), Loan Factory
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - AR 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/arkansas.

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