Loan programs · Florida
DSCR loan officers in Florida
As of 2026-10-09, LenDb lists 28 loan officers licensed in or based in Florida whose lender pages show DSCR loan work. The top-ranked are Kim Ullrich (Guild Mortgage, Vero Beach), John Nguyen (Guild Mortgage, Boca Raton) and Eric Rosemary (CrossCountry Mortgage, Boca Raton). Ranking is lender-neutral: specialty evidence first, then a license in FL, 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
Kim UllrichNMLS 306250
Guild Mortgage · Vero Beach, FL
- DSCR loan
- 1099 income
- Bank statement loan
- FHA loan
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 2
John NguyenNMLS 389742
Guild Mortgage · Boca Raton, FL · licensed in 21 states
- DSCR loan
- 1099 income
- Bank statement loan
- Non-QM loan
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 15 years licensed
- 3
Eric RosemaryNMLS 301253
CrossCountry Mortgage · Boca Raton, FL · licensed in 15 states
- DSCR loan
- Asset-based qualifying
- Bank statement loan
- Foreign national
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 14 years licensed
- 4
Kim FoglesongNMLS 490462
Guild Mortgage · Boca Raton, FL
- DSCR loan
- 2 to 4 unit property
- Down payment assistance
- First-time buyer
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 14 years licensed
- 5
Kirk TaylorNMLS 312131
CrossCountry Mortgage · Naples, FL · licensed in 16 states
- DSCR loan
- 1099 income
- Bank statement loan
- Self-employed
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 12 years licensed
- 6
Jose Antonio ManriqueNMLS 1456209
Loan Factory · Florida
- DSCR loan
- Bank statement loan
- FHA loan
- Foreign national
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 10 years licensed
- 7
Terri Hatfield DullNMLS 1616752
CrossCountry Mortgage · Winter Park, FL
- DSCR loan
- Down payment assistance
- First-time buyer
- Real estate investor
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 9 years licensed
- 8
Eric GasperNMLS 175852
CrossCountry Mortgage · Mineola, NY
- DSCR loan
- 1099 income
- Asset-based qualifying
- Bank statement loan
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 9
Christian DiMaggio ReyesNMLS 2182633
Loan Factory · Tampa, FL
- DSCR loan
- Asset-based qualifying
- Bank statement loan
- Non-QM loan
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 5 years licensed
- 10
Richie KopfNMLS 676920
CrossCountry Mortgage · Pensacola, FL
- DSCR loan
- Bank statement loan
- Real estate investor
- First-time buyer
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 3 years licensed
- 11
Euler PeredaNMLS 1969026
Loan Factory · Pasco County, FL
- DSCR loan
- Non-QM loan
- Real estate investor
- FHA loan
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 4 years licensed
- 12
Priscilla ChanNMLS 2111399
Loan Factory · Florida
- DSCR loan
- Bank statement loan
- Real estate investor
- Condo
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 4 years licensed
- 13
Stephen StechnijNMLS 1198774
CrossCountry Mortgage · Bryan, OH
- DSCR loan
- Bank statement loan
- Jumbo loan
- USDA loan
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 14
Scott MasonNMLS 2576892
Loan Factory · Florida
- DSCR loan
- Bank statement loan
- FHA loan
- Physician and medical professional
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 2 years licensed
- 15
Sandro CazellaNMLS 2722248
CrossCountry Mortgage · Deerfield Beach, FL
- DSCR loan
- FHA loan
- Foreign national
- ITIN borrower
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 0 years licensed
- 16
David SimmonsNMLS 546581
CrossCountry Mortgage · Fort Walton Beach, FL
- DSCR loan
- Bank statement loan
- Condo
- Jumbo loan
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 0 years licensed
- 17
Christian CollinsNMLS 2785123
CrossCountry Mortgage · New Smyrna Beach, FL
- DSCR loan
- FHA loan
- Non-QM loan
- VA loan
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 0 years licensed
- 18
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- DSCR loan
- FHA loan
- First-time buyer
- Real estate investor
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 19
Andrew DurdenNMLS 2774438
Loan Factory · Vero Beach, FL
- DSCR loan
- Foreign national
- Mixed-use property
- Non-warrantable condo
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- Branch in Florida
- 0 years licensed
- 20
Joanne RogersNMLS 223618
CrossCountry Mortgage · Deerfield, IL
- DSCR loan
- Jumbo loan
- Down payment assistance
- First-time buyer
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 21
Lauren SwartzNMLS 1579809
CrossCountry Mortgage · Flower Mound, TX
- DSCR loan
- Bank statement loan
- Construction loan
- Non-QM loan
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 22
Cole FleeherNMLS 1708184
CrossCountry Mortgage · Wallingford, CT
- DSCR loan
- FHA loan
- First-time buyer
- Real estate investor
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 23
Sam KlaburnerNMLS 140132
Loan Factory · licensed in 4 states
- DSCR loan
- Down payment assistance
- FHA loan
- Jumbo loan
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 24
Steve CrossmanNMLS 995551
CrossCountry Mortgage · McKinney, TX · licensed in 6 states
- DSCR loan
- Asset-based qualifying
- Bank statement loan
- Real estate investor
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 25
Jeddy AwuahNMLS 1991303
NFM Lending · Columbus, OH · licensed in 3 states
- DSCR loan
- Bank statement loan
- FHA loan
- First-time buyer
- Lists DSCR loan on lender page (lender page, verified 2026-10-09)
- Licensed in FL (state license, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
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 must be licensed in FL or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=dscr&state=FL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.