--- canonical_url: https://lendb.ai/s/dscr/florida last_verified: 2026-10-09 --- # 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. ## Ranked, with reasons 1. **[Kim Ullrich](https://lendb.ai/lo/kim-ullrich-306250)** (NMLS 306250), Guild Mortgage, Vero Beach, FL - 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 2. **[John Nguyen](https://lendb.ai/lo/john-nguyen-389742)** (NMLS 389742), Guild Mortgage, Boca Raton, FL - 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 3. **[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) - Licensed in FL (state license, verified 2026-10-09) - Branch in Florida - 14 years licensed - No disciplinary actions on file at LenDb 4. **[Kim Foglesong](https://lendb.ai/lo/kim-foglesong-490462)** (NMLS 490462), Guild Mortgage, Boca Raton, FL - 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 5. **[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) - Licensed in FL (state license, verified 2026-10-09) - Branch in Florida - 12 years licensed - No disciplinary actions on file at LenDb 6. **[Jose Antonio Manrique](https://lendb.ai/lo/jose-manrique-1456209)** (NMLS 1456209), Loan Factory, FL - 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 7. **[Terri Hatfield Dull](https://lendb.ai/lo/terri-hatfield-dull-1616752)** (NMLS 1616752), CrossCountry Mortgage, Winter Park, FL - 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 8. **[Eric Gasper](https://lendb.ai/lo/eric-gasper-175852)** (NMLS 175852), CrossCountry Mortgage, Mineola, NY - 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 Reyes](https://lendb.ai/lo/christian-reyes-2182633)** (NMLS 2182633), Loan Factory, Tampa, FL - 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 10. **[Richie Kopf](https://lendb.ai/lo/richard-kopf-676920)** (NMLS 676920), CrossCountry Mortgage, Pensacola, FL - 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 11. **[Euler Pereda](https://lendb.ai/lo/euler-pereda-1969026)** (NMLS 1969026), Loan Factory, Pasco County, FL - 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 12. **[Priscilla Chan](https://lendb.ai/lo/priscilla-chan-2111399)** (NMLS 2111399), Loan Factory, FL - 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 13. **[Stephen Stechnij](https://lendb.ai/lo/stephen-stechnij-1198774)** (NMLS 1198774), CrossCountry Mortgage, Bryan, OH - 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 Mason](https://lendb.ai/lo/scott-mason-2576892)** (NMLS 2576892), Loan Factory, FL - 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 - No disciplinary actions on file at LenDb 15. **[Sandro Cazella](https://lendb.ai/lo/sandro-cazella-dos-santos-2722248)** (NMLS 2722248), CrossCountry Mortgage, Deerfield Beach, FL - 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 - No disciplinary actions on file at LenDb 16. **[David Simmons](https://lendb.ai/lo/david-simmons-546581)** (NMLS 546581), CrossCountry Mortgage, Fort Walton Beach, FL - 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 - No disciplinary actions on file at LenDb 17. **[Christian Collins](https://lendb.ai/lo/christian-collins-2785123)** (NMLS 2785123), CrossCountry Mortgage, New Smyrna Beach, FL - 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 - No disciplinary actions on file at LenDb 18. **[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) - Licensed in FL (state license, verified 2026-10-09) - 8 years licensed - No disciplinary actions on file at LenDb 19. **[Andrew Durden](https://lendb.ai/lo/andrew-durden-2774438)** (NMLS 2774438), Loan Factory, Vero Beach, FL - 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 - No disciplinary actions on file at LenDb 20. **[Lauren Swartz](https://lendb.ai/lo/lauren-swartz-1579809)** (NMLS 1579809), CrossCountry Mortgage, Flower Mound, TX - 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 21. **[Sam Klaburner](https://lendb.ai/lo/stamatia-klaburner-140132)** (NMLS 140132), Loan Factory - 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 22. **[Steve Crossman](https://lendb.ai/lo/steven-crossman-995551)** (NMLS 995551), CrossCountry Mortgage, McKinney, TX - 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 23. **[Jeddy Awuah](https://lendb.ai/lo/kwabena-awuah-1991303)** (NMLS 1991303), NFM Lending, Columbus, OH - 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 24. **[Shannon Eney](https://lendb.ai/lo/shannon-eney-102972)** (NMLS 102972), Mutual of Omaha Mortgage, Henderson, NV - 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. **[Wendy Seagle](https://lendb.ai/lo/wendy-seagle-194641)** (NMLS 194641), CrossCountry Mortgage, Fort Walton Beach, FL - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Branch in Florida; no license list on file yet, verify at NMLS Consumer Access - 35 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb ## 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/florida. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._