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

# DSCR loan officers in New Mexico

As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in New Mexico whose lender pages show DSCR loan work. The top-ranked are Josh Penland (Fairway Independent Mortgage Corporation, Round Rock) and Desiree' Byrne (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in NM, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)
   - States 23 years of experience (lender page, 2026-10-09)
2. **[Desiree' Byrne](https://lendb.ai/lo/desiree-byrne-2122934)** (NMLS 2122934), Xpert Home Lending
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (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/new-mexico.

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