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Loan programs · Mississippi

DSCR loan officers in Mississippi

As of 2026-10-09, LenDb lists 8 loan officers licensed in or based in Mississippi whose lender pages show DSCR loan work. The top-ranked are Jonathan Salinas (CrossCountry Mortgage, Memphis), Jared Ogburn (Guild Mortgage, Madison) and James Hair (CrossCountry Mortgage, Houston). Ranking is lender-neutral: specialty evidence first, then a license in MS, 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 8

  1. 1

    Jonathan SalinasNMLS 2451140

    CrossCountry Mortgage · Memphis, TN · licensed in 6 states

    • DSCR loan
    • Down payment assistance
    • ITIN borrower
    • Non-QM loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    Jared OgburnNMLS 1698451

    Guild Mortgage · Madison, MS · licensed in 2 states

    • DSCR loan
    • First-time buyer
    • VA loan
    • Down payment assistance
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • Branch in Mississippi
    • No disciplinary actions on file at LenDb
  3. 3

    James HairNMLS 1680348

    CrossCountry Mortgage · Houston, TX · licensed in 11 states

    • DSCR loan
    • Low credit score
    • Renovation loan (203k / HomeStyle)
    • Self-employed
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Stinson LanoixNMLS 2005429

    GMFS Mortgage · Baton Rouge, LA · licensed in 5 states

    • DSCR loan
    • FHA loan
    • First-time buyer
    • USDA loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in MS (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  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 MS (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  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 MS (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  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 MS (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    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 MS (listed on lender page, verified 2026-10-09)
    • 0 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 MS 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=MS. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.