---
canonical_url: https://lendb.ai/s/dscr/idaho
last_verified: 2026-10-09
---

# DSCR loan officers in Idaho

As of 2026-10-09, LenDb lists 5 loan officers licensed in or based in Idaho whose lender pages show DSCR loan work. The top-ranked are Denise Cuddeback Montgomery (American Pacific Mortgage, Eugene), Erik Browning (CrossCountry Mortgage, Scottsdale) and Aaron Rodriguez (CrossCountry Mortgage, Lake Oswego). Ranking is lender-neutral: specialty evidence first, then a license in ID, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[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)
   - ID 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)
2. **[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)
   - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)
3. **[Aaron Rodriguez](https://lendb.ai/lo/aaron-rodriguez-452234)** (NMLS 452234), CrossCountry Mortgage, Lake Oswego, OR
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
4. **[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)
   - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
5. **[William Commons](https://lendb.ai/lo/william-commons-79745)** (NMLS 79745), Assurance Financial, Baton Rouge, LA
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2019 (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/idaho.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._