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Loan programs · Idaho

DSCR loan officers in Idaho

As of 2026-10-09, LenDb lists 7 loan officers licensed in or based in Idaho whose lender pages show DSCR loan work. The top-ranked are Michelle Hudson (American Pacific Mortgage, Eagle), Erik Browning (CrossCountry Mortgage, Scottsdale) and Farrell LaMetterey (Loan Factory, North Idaho). Ranking is lender-neutral: specialty evidence first, then a license in ID, 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 7

  1. 1

    Michelle HudsonNMLS 182321

    American Pacific Mortgage · Eagle, ID · licensed in 3 states

    • DSCR loan
    • Bank statement loan
    • Construction loan
    • FHA loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in ID (listed on lender page, verified 2026-10-09)
    • Branch in Idaho
    • 3 years licensed
  2. 2

    Erik BrowningNMLS 2264602

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states

    • DSCR loan
    • FHA loan
    • HELOC
    • Self-employed
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in ID (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Farrell LaMettereyNMLS 2017731

    Loan Factory · Mortgage broker · North Idaho, ID · licensed in 2 states

    • DSCR loan
    • Bank statement loan
    • FHA loan
    • HELOC
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in ID (listed on lender page, verified 2026-10-09)
    • Branch in Idaho
    • No disciplinary actions on file at LenDb
  4. 4

    Jim BrettlNMLS 455400

    Xpert Home Lending · Mortgage broker · licensed in 13 states

    • DSCR loan
    • Bank statement loan
    • HELOC
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in ID (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  5. 5

    William CommonsNMLS 79745

    Assurance Financial · Baton Rouge, LA · licensed in 36 states

    • DSCR loan
    • Asset-based qualifying
    • Bank statement loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in ID (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Karen NielsonNMLS 80226

    Guild Mortgage · Logan, UT · licensed in 5 states

    • DSCR loan
    • Bank statement loan
    • Construction loan
    • FHA loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in ID (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Denise Cuddeback MontgomeryNMLS 57734

    American Pacific Mortgage · Eugene, OR · licensed in 11 states

    • DSCR loan
    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in ID (listed on lender page, verified 2026-10-09)
    • 3 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?

More about DSCR loan

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 ID 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=ID. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.