LenDb.ai

Loan programs · Minnesota

DSCR loan officers in Minnesota

As of 2026-10-09, LenDb lists 12 loan officers licensed in or based in Minnesota whose lender pages show DSCR loan work. The top-ranked are Jason Fox (NFM Lending, Frederick), Vivek Agarwal (Loan Factory) and Saran Mandhadapu (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in MN, 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 12

  1. 1

    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 MN (listed on lender page, verified 2026-10-09)
    • 8 years licensed
  2. 2

    Vivek AgarwalNMLS 2564210

    Loan Factory · Mortgage broker · licensed in 13 states

    • DSCR loan
    • Down payment assistance
    • FHA loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 2 years licensed
  3. 3

    Saran MandhadapuNMLS 2417126

    Loan Factory · Mortgage broker · licensed in 10 states

    • DSCR loan
    • Real estate investor
    • Non-QM loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 3 years licensed
  4. 4

    Sam BromleyNMLS 1151654

    Xpert Home Lending · Mortgage broker · licensed in 10 states

    • DSCR loan
    • VA loan
    • Real estate investor
    • Asset-based qualifying
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 12 years licensed
  5. 5

    Kevin RollerNMLS 250375

    LeaderOne Financial · Overland Park, KS · licensed in 43 states

    • DSCR loan
    • Non-QM loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 6 years licensed
  6. 6

    Ryan McGranNMLS 2520487

    Lit Financial Corporation · licensed in 19 states

    • DSCR loan
    • Bank statement loan
    • Condo
    • Jumbo loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
  7. 7

    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 MN (listed on lender page, verified 2026-10-09)
    • 7 years licensed
  8. 8

    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 MN (listed on lender page, verified 2026-10-09)
    • 3 years licensed
  9. 9

    Tony FalboNMLS 1071550

    Homeowners Financial Group · Santa Rosa, CA · licensed in 3 states

    • DSCR loan
    • Bank statement loan
    • Construction loan
    • Down payment assistance
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
  10. 10

    Ravi K BansalNMLS 2840451

    Loan Factory · Mortgage broker · Seattle, WA · licensed in 19 states

    • DSCR loan
    • Real estate investor
    • Asset-based qualifying
    • Bank statement loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 0 years licensed
  11. 11

    Ivan LinNMLS 2462401

    Loan Factory · Mortgage broker · licensed in 10 states

    • DSCR loan
    • First-time buyer
    • Real estate investor
    • Self-employed
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)
    • 0 years licensed
  12. 12

    Ram MishraNMLS 231417

    Loan Factory · Mortgage broker · licensed in 6 states

    • DSCR loan
    • Real estate investor
    • Asset-based qualifying
    • Bank statement loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MN (listed on lender page, verified 2026-10-09)

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 MN or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=dscr&state=MN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.