Loan programs · California
DSCR loan officers in California
As of 2026-10-09, LenDb lists 51 loan officers licensed in or based in California whose lender pages show DSCR loan work. The top-ranked are Eric Rosemary (CrossCountry Mortgage, Boca Raton), Kirk Taylor (CrossCountry Mortgage, Naples) and Kiri Suykry (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 25
- 1
Eric RosemaryNMLS 301253
CrossCountry Mortgage · Boca Raton, FL · licensed in 15 states
- DSCR loan
- Asset-based qualifying
- Bank statement loan
- Foreign national
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2012 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Kirk TaylorNMLS 312131
CrossCountry Mortgage · Naples, FL · licensed in 16 states
- DSCR loan
- 1099 income
- Bank statement loan
- Self-employed
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2014 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Kiri SuykryNMLS 1976188
Loan Factory · Mortgage broker · licensed in 2 states
- DSCR loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 4
Rick BuiNMLS 309803
Xpert Home Lending · Mortgage broker · California
- DSCR loan
- Bank statement loan
- Construction loan
- FHA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Office in California
- States 30 years of experience (lender page, 2026-10-09)
- 5
Keith AllenNMLS 198190
Loan Factory · Mortgage broker · licensed in 3 states
- DSCR loan
- Jumbo loan
- Non-QM loan
- Real estate investor
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 33 years of experience (lender page, 2026-10-09)
- 6
Tracey RadinovicNMLS 997560
Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states
- DSCR loan
- Bank statement loan
- FHA loan
- HELOC
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 14 years of experience (lender page, 2026-10-09)
- 7
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- DSCR loan
- Bank statement loan
- Self-employed
- FHA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- 8
Don GonzalezNMLS 284413
Loan Factory · Mortgage broker · California
- DSCR loan
- Bank statement loan
- First-time buyer
- HELOC
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Office in California
- States 25 years of experience (lender page, 2026-10-09)
- 9
Jody RichardsNMLS 398979
Loan Factory · Mortgage broker · Red Bluff, CA
- DSCR loan
- Rural property
- FHA loan
- USDA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Office in Red Bluff, CA
- States 20 years of experience (lender page, 2026-10-09)
- 10
Mike MorrowNMLS 2323425
Loan Factory · Mortgage broker · California
- DSCR loan
- Down payment assistance
- First-time buyer
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Office in California
- 11
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- DSCR loan
- Bank statement loan
- Down payment assistance
- FHA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 12
Erik BrowningNMLS 2264602
CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states
- DSCR loan
- FHA loan
- HELOC
- Self-employed
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- 13
Ricky PhanNMLS 1203987
Loan Factory · Mortgage broker · California
- DSCR loan
- Bank statement loan
- FHA loan
- First-time buyer
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Office in California
- Licensed since 2022 (per Florida records)
- 14
Robert JimenezNMLS 314507
Loan Factory · Mortgage broker · California
- DSCR loan
- Real estate investor
- FHA loan
- HELOC
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Office in California
- States 29 years of experience (lender page, 2026-10-09)
- 15
Susie BellNMLS 2534795
Empire Home Loans · Mortgage broker · Fair Oaks, CA · licensed in 2 states
- DSCR loan
- Construction loan
- FHA loan
- First-time buyer
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Office in Fair Oaks, CA
- 16
Steve FurdockNMLS 376017
Lit Financial Corporation · licensed in 12 states
- DSCR loan
- Bank statement loan
- Jumbo loan
- Non-QM loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- 17
Kyle WeggNMLS 2713037
Loan Factory · Mortgage broker · licensed in 2 states
- DSCR loan
- FHA loan
- First-time buyer
- Jumbo loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- 18
Alex RamirezNMLS 450556
Xpert Home Lending · Mortgage broker · licensed in 5 states
- DSCR loan
- VA loan
- Asset-based qualifying
- Bank statement loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 21 years of experience (lender page, 2026-10-09)
- 19
Steve AndersonNMLS 1096829
Lit Financial Corporation · licensed in 12 states
- DSCR loan
- Bank statement loan
- HELOC
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2015 (per Florida records)
- 20
Ted HicksNMLS 1972998
Loan Factory · Mortgage broker · licensed in 3 states
- DSCR loan
- Bank statement loan
- FHA loan
- Real estate investor
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 21
Kyle BrunetNMLS 1237678
Lit Financial Corporation · licensed in 9 states
- DSCR loan
- Bank statement loan
- Condo
- Jumbo loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Colorado records)
- 22
Tyler FrantangeloNMLS 1211919
Lit Financial Corporation · licensed in 8 states
- DSCR loan
- Bank statement loan
- Condo
- Jumbo loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2015 (per Colorado records)
- 23
Jim BrettlNMLS 455400
Xpert Home Lending · Mortgage broker · licensed in 13 states
- DSCR loan
- Bank statement loan
- HELOC
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- 24
Scott Daniel StorrsNMLS 1284056
C2 Financial Corporation · Mortgage broker
- DSCR loan
- Real estate investor
- 2 to 4 unit property
- Foreign national
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- 25
Jeff SherryNMLS 1627459
Lit Financial Corporation · licensed in 7 states
- DSCR loan
- Non-QM loan
- FHA loan
- VA loan
- CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
Before you choose
Minimum DSCR ratios, rent schedules and prepayment penalties differ widely across lenders.
- 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?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a CA license is confirmed with the state regulator (check mark), CA is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=dscr&state=CA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.