--- canonical_url: https://lendb.ai/s/dscr/california last_verified: 2026-10-10 --- # DSCR loan officers in California As of 2026-10-10, LenDb lists 34 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. ## Ranked, with reasons 1. **[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) - CA 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) 2. **[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) - CA 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) 3. **[Kiri Suykry](https://lendb.ai/lo/kiri-suykry-1976188)** (NMLS 1976188), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 4. **[Keith Allen](https://lendb.ai/lo/keith-allen-198190)** (NMLS 198190), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 33 years of experience (lender page, 2026-10-09) 5. **[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) - CA 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) 6. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 7. **[Don Gonzalez](https://lendb.ai/lo/don-gonzalez-284413)** (NMLS 284413), Loan Factory, CA - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Office in California - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 8. **[Jody Richards](https://lendb.ai/lo/jody-richards-398979)** (NMLS 398979), Loan Factory, Red Bluff, CA - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Office in Red Bluff, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 9. **[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) - CA 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) 10. **[Mike Morrow](https://lendb.ai/lo/mike-morrow-2323425)** (NMLS 2323425), Loan Factory, CA - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Office in California - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 11. **[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) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) 12. **[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) - CA 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) 13. **[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) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[Sartaj Singh Bhatia](https://lendb.ai/lo/sartaj-singh-bhatia-2606002)** (NMLS 2606002), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Steve Furdock](https://lendb.ai/lo/steve-furdock-376017)** (NMLS 376017), Lit Financial Corporation - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 16. **[Kyle Wegg](https://lendb.ai/lo/kyle-wegg-2713037)** (NMLS 2713037), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Scott Daniel Storrs](https://lendb.ai/lo/scott-daniel-storrs-1284056)** (NMLS 1284056), C2 Financial Corporation - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[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) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) 19. **[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) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 20. **[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) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Colorado records) 21. **[Jeff Sherry](https://lendb.ai/lo/jeff-sherry-1627459)** (NMLS 1627459), Lit Financial Corporation - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 22. **[Kris Gonzales](https://lendb.ai/lo/kris-gonzales-283988)** (NMLS 283988), Guild Mortgage, San Francisco, CA - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Office in San Francisco, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[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) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 24. **[Brianna Cervantes](https://lendb.ai/lo/brianna-cervantes-1661609)** (NMLS 1661609), Loan Factory, Los Angeles, CA - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Office in Los Angeles, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[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) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado 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/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._