{
  "canonical_url": "https://lendb.ai/s/dscr/florida",
  "summary": "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.",
  "specialty": "dscr",
  "state": "FL",
  "total": 28,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58.3,
      "loan_officer": {
        "nmls_id": 306250,
        "slug": "kim-ullrich-306250",
        "full_name": "Kim Ullrich",
        "canonical_url": "https://lendb.ai/lo/kim-ullrich-306250",
        "json_url": "https://lendb.ai/lo/kim-ullrich-306250.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Vero Beach",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/fl/verobeach/kim-ullrich-299-hpku.html"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kim-ullrich-306250"
    },
    {
      "rank": 2,
      "score": 58.3,
      "loan_officer": {
        "nmls_id": 389742,
        "slug": "john-nguyen-389742",
        "full_name": "John Nguyen",
        "canonical_url": "https://lendb.ai/lo/john-nguyen-389742",
        "json_url": "https://lendb.ai/lo/john-nguyen-389742.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Boca Raton",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "GA",
          "HI",
          "IL",
          "KS",
          "LA",
          "MI",
          "NC",
          "NJ",
          "NV",
          "OH",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/fl/bocaraton/john-nguyen-199-hpjng.html"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/john-nguyen-389742"
    },
    {
      "rank": 3,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 301253,
        "slug": "eric-rosemary-301253",
        "full_name": "Eric Rosemary",
        "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253",
        "json_url": "https://lendb.ai/lo/eric-rosemary-301253.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Boca Raton",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CT",
          "GA",
          "KY",
          "NC",
          "NJ",
          "NY",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/boca-raton-fl-3701/eric-rosemary/"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253"
    },
    {
      "rank": 4,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 490462,
        "slug": "kim-foglesong-490462",
        "full_name": "Kim Foglesong",
        "canonical_url": "https://lendb.ai/lo/kim-foglesong-490462",
        "json_url": "https://lendb.ai/lo/kim-foglesong-490462.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Boca Raton",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/fl/bocaraton/kim-foglesong-777-hpkf.html"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kim-foglesong-490462"
    },
    {
      "rank": 5,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 312131,
        "slug": "kirk-taylor-312131",
        "full_name": "Kirk Taylor",
        "canonical_url": "https://lendb.ai/lo/kirk-taylor-312131",
        "json_url": "https://lendb.ai/lo/kirk-taylor-312131.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "MA",
          "MI",
          "NV",
          "OK",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-8209/kirk-taylor/"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kirk-taylor-312131"
    },
    {
      "rank": 6,
      "score": 55,
      "loan_officer": {
        "nmls_id": 1456209,
        "slug": "jose-manrique-1456209",
        "full_name": "Jose Antonio Manrique",
        "canonical_url": "https://lendb.ai/lo/jose-manrique-1456209",
        "json_url": "https://lendb.ai/lo/jose-manrique-1456209.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": 10,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jose-antonio-manrique-1456209"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jose-manrique-1456209"
    },
    {
      "rank": 7,
      "score": 55,
      "loan_officer": {
        "nmls_id": 1616752,
        "slug": "terri-hatfield-dull-1616752",
        "full_name": "Terri Hatfield Dull",
        "canonical_url": "https://lendb.ai/lo/terri-hatfield-dull-1616752",
        "json_url": "https://lendb.ai/lo/terri-hatfield-dull-1616752.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Winter Park",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/winter-park-fl-5331/terri-hatfield-dull/"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/terri-hatfield-dull-1616752"
    },
    {
      "rank": 8,
      "score": 53,
      "loan_officer": {
        "nmls_id": 175852,
        "slug": "eric-gasper-175852",
        "full_name": "Eric Gasper",
        "canonical_url": "https://lendb.ai/lo/eric-gasper-175852",
        "json_url": "https://lendb.ai/lo/eric-gasper-175852.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Mineola",
          "state": "NY"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/mineola-ny-4750/eric-gasper/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-gasper-175852"
    },
    {
      "rank": 9,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 2182633,
        "slug": "christian-reyes-2182633",
        "full_name": "Christian DiMaggio Reyes",
        "canonical_url": "https://lendb.ai/lo/christian-reyes-2182633",
        "json_url": "https://lendb.ai/lo/christian-reyes-2182633.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/christian-dimaggio-reyes-2182633"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/christian-reyes-2182633"
    },
    {
      "rank": 10,
      "score": 52,
      "loan_officer": {
        "nmls_id": 676920,
        "slug": "richard-kopf-676920",
        "full_name": "Richie Kopf",
        "canonical_url": "https://lendb.ai/lo/richard-kopf-676920",
        "json_url": "https://lendb.ai/lo/richard-kopf-676920.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Pensacola",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/pensacola-fl-4581/richard-kopf/"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/richard-kopf-676920"
    },
    {
      "rank": 11,
      "score": 52,
      "loan_officer": {
        "nmls_id": 1969026,
        "slug": "euler-pereda-1969026",
        "full_name": "Euler Pereda",
        "canonical_url": "https://lendb.ai/lo/euler-pereda-1969026",
        "json_url": "https://lendb.ai/lo/euler-pereda-1969026.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": "Pasco County",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/euler-pereda-1969026"
      },
      "reasons": [
        "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",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/euler-pereda-1969026"
    },
    {
      "rank": 12,
      "score": 52,
      "loan_officer": {
        "nmls_id": 2111399,
        "slug": "priscilla-chan-2111399",
        "full_name": "Priscilla Chan",
        "canonical_url": "https://lendb.ai/lo/priscilla-chan-2111399",
        "json_url": "https://lendb.ai/lo/priscilla-chan-2111399.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [
          "zh"
        ],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
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            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
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            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
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        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/mckinney-tx-5254/steven-crossman/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-crossman-995551"
    },
    {
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      "score": 48.8,
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        "slug": "kwabena-awuah-1991303",
        "full_name": "Jeddy Awuah",
        "canonical_url": "https://lendb.ai/lo/kwabena-awuah-1991303",
        "json_url": "https://lendb.ai/lo/kwabena-awuah-1991303.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
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          "GA",
          "OH"
        ],
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          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
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        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/jeddy-awuah/"
      },
      "reasons": [
        "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"
      ],
      "canonical_url": "https://lendb.ai/lo/kwabena-awuah-1991303"
    }
  ]
}